@Ladyday. Put the newsletter aside for now. They will be useful shortly. I did not find them very helpful myself early on.

1. You need to decide clearly what your values are where investing is concerned What I mean what is wrong and right according to your beliefs to make money or invest your money in. I know if somebody was to ask to borrow them £3,000 to buy crack-cocainewith a 2000% percent return you would telll them to piiss off.

Equally there arevarious types of companies or products or areas of operation that youmay or may not be happy about. So you have to decide what and who they are. Ithink I know most of your basic core values over the time we haveknown each other. I don't think for example you would be happy in investing in a company likeNike or other firms which make their money via slave labour and all kinds of nastiness.

2.Once you are clear on your basics. Then it is about thinking and observing and doing some reading egdaily paper financialpage. For example you have products and things in your home which you like, things which maybe of good qualityetc who you swear by. Things yourfriends rave about eg good offers. For example I simply had to walk into my first Tescos Superstore in Cookridge Leeds andsaid...I like this...

Frome there I just kept watching and every now again reading the papers, until I said let my try a thing here. Then I begun to do the serious work of obtaining company reports and going through the books so to speak and analysing stuff. Bough the shares and happy like Larry.

I made a good decision based on my exs judgement. She worked up West and use to lunch Tottenham Court Road etc and a group of us got in a convo about pizzas and the best places. My girl was adamant there was only one place to eat this was Pizza Express back in the day and she went into it.

She also noticed that there was an article in the financial section about a possible take over of bid going on and she said she would go for it, because it was an American company and she studied in the US and thinks the Yanks have theses things sussed. Furthermore the West End joints back in that time were always jammed almost 24/7. So did the research of the figures and it looked good. Held the shares for years and ate of them plenty before I let them go.

For example I noticed how our women lke to spend all their money in Argos and when you go down there it is like a meat market and money going through those tills like joke. I bought shares in the group who own Argos and all those other major white goods retailers.

Black women have the most extravagent tastes and always know whats in and what is not. So having a female instinct and peers is really a good place to start. But once you have an interest in a stock. You must research it disciplinely and witthout passion. Pure business head must rule.

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