7 mistakes e book by Law Hiu

Would you consider yourself a beginning investor? Unsure? Since investing is a serious subject, and can be a little intimidating for some individuals, perhaps we should start off with a short “you might be...” quiz ;)

If you trade profitably for three weeks and then give it all back to the market... you might be a beginning investor. If you base trades off from a “leading indicator”... you might be a beginning investor. If you are risking more than 2% of your account on any given trade... you might be a beginning investor. If you feel proud when you profit and frustrated when you don’t... you might be a beginning investor. If you trade against the momentum of the market... you might be a beginning investor.

Did you answer yes to any (or ALL!) of those questions? Then... you most likely are a beginning investor! What I love about beginning investors is your sense of opportunity and ambition. It may be the big money that moves Wall Street, but it’s the beginning investors that give it life! And with the right education, beginning investors have just as much (or more) opportunity to extract profits from the market than the big boys. As we get started, I think it’s important for you to know that over the last 6 years I’ve had the distinct honor of partnering with over 70,000 students on their trading journey. Some have been hedge fund managers. Some have been financial advisors. But most have been everyday people who see an opportunity in the stock market, unlike any other generation before. I believe our students at TradeSmart are the very best in the world, and are some of the most profitable in the world! But... don’t take my word for it, I would encourage you to ask them yourself. Here is a link to our private social network. Please feel free to join and connect with some of our students... and hear about their sense of opportunity, the challenges before them, and how the continually overcome and extract profits from today’s market! Over the next few pages, I’m going to share with you the seven most common (and expensive) mistakes I’ve seen beginning traders make. My hope is that this will encourage you and inspire you to continue your journey to abundant profitability as a financial trader! So... let’s get started with lesson one!

Mistake Number One: Failure to Limit Your Losses Some of my favorite people in the world are beginning investors.You are like sponges, soaking up everything you can learn. It's a real joy for a teacher like me. However, I also cringe when I see you struggle with elementary mistakes that I know we can help you avoid. Of all the mistakes I've seen, I think one of the most costly is the failure to limit your losses. At this point you may be asking one of two things: • I might lose money? • I can limit my losses? The answer to both is a resounding YES! © Financial Puzzle, INC !

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The first statement reflects the true feelings of many beginning investors.You may feel you cannot lose money in the stock market. You may have heard for years that you can make lots of money, and assume losses will never happen to you. The truth is you can lose money -- and you will! The key to making money in the stock market is not found in trying to never lose money. The key is found in limiting your losses when you do lose money. Smart investors know a loss is inevitably going to happen from time to time, and the only way to manage that is to put safety measures in place to limit the impact of that loss. So what kinds of safety measures can you employ to limit your losses? There are actually a couple of different ways. The first, and most common, way investors limit their losses in the market is by placing what is called a "stop loss" order as soon as their trade is placed. By setting a stop loss order (aka "a stop"), the investor has set a predetermined price where they are no longer willing to stay in the trade. If the stock dips to that price, the order is triggered and the position is closed, thus preventing the fate of many beginning traders. It has been said that "great traders always use a stop." No truer words have ever been spoken. If you ever read in a book or hear a teacher say that stops are not important, then that teacher is not qualified to be teaching you! The other way you may limit losses is through a more complicated technique known as hedging. When an investor has hedged his position, he has effectively bought an insurance policy. This is the one time you do not need to trade with a stop because your hedge will actually do you much more good than the stop would. When you buy stock for your portfolio, there are two primary ways to hedge your position: • Buy stock options as an insurance policy. • Buy an offsetting number of shares in an inverse ETF (Exchange Traded Fund). Stock options give you the right to sell your stock for a higher price if and when the trade goes down. So let's say you own 1000 shares of IBM with an average cost of $100/share. If you buy the appropriate stock option and IBM were to fall, say to $75/share, the insurance of the stock option would kick in and you could sell your stock for $100/share, as though nothing had ever happened. Now that IS protection! Inverse ETFs are a relatively new addition to the market. In short, what happens is the inverse fund will go up as the stocks go down. Inverse funds are used more to hedge an entire portfolio against loss rather than just a single stock. So in order to hedge a large portfolio position, one must buy enough shares of that fund to offset the entire portfolio! This can be costly and may not be the easiest way to protect yourself. But it is a viable strategy used by many investors. Any way you look at it, losses will be inevitable in the market. As a smart investor, your job is to be prepared for those losses when they come. By placing a stop loss order or using a hedging strategy, you will be light years ahead of most of your investing peers. If and when the big one does come crashing down, you will be more likely to survive! If you would like to learn more about using stock options in your investing, sign up for my free Options E-Course! This 7-day course will come to your email box and will teach you the simplest way to understand stock options.

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Mistake Number Two: Failure to Use a Consistent Analysis System Now, let’s talk about a second mistake made by so many beginning investors: failure to use a consistent analysis system. You may think this sounds complicated and impractical, but if you want to be a successful, independent investor, you must learn how to properly analyze your stocks before you ever consider placing a trade! I'm constantly amazed at some of my students when they write in with a trade that has gone bad. When I respond and ask why they entered the trade, I receive a plethora of answers in return! Answers like: • "I like the company, so I thought it would be good." • "Jim Cramer said it was a great company." • "My grandfather has owned this company for years, and it's always done really well for him." Whatever the cause, people often invest in companies they know nothing about, and for little reason more than "it just felt right." This is not how a smart investor chooses stocks to buy. Smart investors always, without exception, have a system of analysis they walk through. And when they have proven the system, they continue to walk through it over and over. This reminds me of a radio commercial I heard for business development. The commercial said, "If you want to build a successful business, you don't need to do 4,000 things, you need to do 12 things 4,000 times.” The same is true for being a successful investor. If you want to be successful, you must come up with a checklist to walk through in your analysis process. You must know this checklist works, and you must walk through it over and over. When you do this, you will have an exponentially higher success rate. It is, after all, what the wealthiest investors in the world do! In our Foundations of Stocks and Options series, I teach my students what I call "The Anatomy of a Trade." This is my system for analyzing stocks based on past performance and what we believe will happen in the future. After my students learn to do the anatomy of a trade, do it right, and do it over and over, they see consistent results in their trading. I tell them to expect to make money 7-8 out of every 10 trades. Mistake Number Three: Failure to Take Personal Responsibility For the third common mistake of beginning investors, we're going to touch on a slightly more controversial subject...YOU! I know what you're thinking: "Who does this guy think he is attacking me like that?!" Well, with all due respect, I'm just an investor and educator who, sadly but truly, has seen far too many good people, and potentially good investors, fail because they couldn't come to grips with the person in the mirror. Successful investors have many things in common, but at the core, every one of them understands the issue of personal responsibility.

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In today's world, personal responsibility is something that fewer and fewer people want to deal with. We see it played out in everything from bank bailouts to politicians and even down to -- you guessed it -- individual investors. The reason personal responsibility is so important in the world of investing is because the core of investing is capitalism. And at the core of capitalism is personal responsibility. In fact, the very dream that ignited the United States of America is a dream that each person could be responsible for him- or herself -- the good, the bad, and even the downright ugly! Personal responsibility is easy to claim when you are successful, but when you fall on your face, it can be a tough pill to swallow. But truly successful people are not only willing to swallow those pills, they also expect to swallow them because they know that it's only in those difficult times that one can truly rise to greatness. That's why the great motivational writer Napoleon Hill wrote in Think and Grow Rich: "Failure is just a stepping stone on the road to success." Inherent in that statement is the intention of personal responsibility. This is how every successful person has achieved success in the past, and it is how success will be achieved in the future, whether that be in business, relationships, or investing. By now, you may be wondering, What kind of personal responsibility have I not been accepting? I don't know that answer for each person -- that is for you to figure out for yourself, but I can give you some examples of things many of my students have said. Have you ever said or thought something like this? • Well, the markets are manipulated -- I can't make money like this. • Those darned Market Makers are out to get me, greedy Wall Street people! • Investment advisers are just out to pump and dump their stocks.They love taking advantage of little people like me. • I can't believe that stock went down -- Jim Cramer said it was a good pick! • My broker is making all the money by charging me crazy fees. No one can be successful like this. • The market is just random -- there's no way to make money here. • Greedy rich people keep all the money in the market, and they're out to get me. • If everyone does what this guy says, the market will collapse and then it won't work anymore. • People who sell stocks short are taking advantage of other weak investors. I could go on, but here are a few things these statements and others like them consistently reveal: • I'm the victim. • It's not my fault. I heard a really smart man once say, "There are no rich victims." He's right! If you want to be rich, and if you want to be successful, you can never ever, not even once, not even kind of allow yourself to feel like or believe that you are a victim. You're not. Successful people know they can't afford to live like a victim, so they choose to pick themselves up and move forward. If you want to be successful, you must choose to do the same. The other part, "It's not my fault," is really just a reflection of the victim mentality. But this is the part where the victim chooses to make himself feel better by blaming someone else. I have news for you: you're not a victim, and you can't blame anyone but yourself!

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If you have a trade go against you, there is no one you can blame but yourself. No one made you place the trade. No one made you follow someone else's advice. The Market Makers aren't out to get you. And no one made you work with your broker. The only person at the center of your life and all of its circumstances is you! If you find you have been guilty of feeling or thinking these thoughts, you must snap out of it, and realize they are not true thoughts. Not only are they not true, they are also the kind of thoughts that will creep into your mind and spread like a vine, choking out all of your success. Then, you will be something worse than a victim -- you'll be a failure! And THAT is just not something you can allow to happen. I believe every man, woman, and child on this planet was created to be a success. That's why I believe failure is not an option. And you also need to know and understand your life was created to be successful. So go be successful! Along with personal responsibility comes accountability. It's something that all of us need. That is why I would like to extend to you an offer a free scholarship to a friend or family member! How much more fun is it to learn when you have someone else learn alongside you? It's as simple as forwarding them this invitation link. Mistake Number Four: Failure to Understand Market Directions Traditional wisdom -- as touted by financial advisers, personal investment bankers, and financial television shows for the last 50 years -- has taught one specific philosophy of stock market investing: buy a good stock and hold it for a long time while you wait for it to go up. I call this "buy, hold, and pray." You buy a stock, hold it for a long time, and pray you find out you were right in 20 years! In and of itself, the "buy, hold, and pray" strategy is not specifically wrong. In fact, it's the primary investment strategy of such stock market giants as Warren Buffett and Peter Lynch. It's the strategy taught by one of the fathers of sound investment advice, Benjamin Graham. And to be completely fair and honest, sometimes it's great...it just doesn't always work! To counter all of the times this strategy doesn't work, financial planners and other advisers who make a living selling specific investment products have created some fancy terms to help ease the blow when their product goes bad. One of those fancy terms is "dollar cost averaging." For those of you who may not know what dollar cost averaging actually is, it goes something like this: • You invest a specific amount of money consistently on a set schedule. • If the market goes up, you invest the same amount. • If the market goes down, you invest the same amount. • If you have to buy during a down market, then you tell yourself you're buying "on sale." • Over the course of 20 years, it will all balance and you'll have way more money than you started with. Let's take a look at the way the math works. Let's say you want to buy $1,000 worth of stock every month in XYZ company. In month one the stock is selling for $10/share, so your $1,000 will buy you 100 shares. In month two the stock is selling for $20/share, so your $1,000 will only buy you 50 shares.

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You now have 150 shares, but you have spent $2,000. Your average "cost basis" is $13.30/share now ($2,000 total invested ÷ 150 shares = $13.30/share). In month three, let's say the stock is again trading for $10/share, so your $1,000 buys you an additional100 shares, giving you a total of 250 shares. Now in month four, the stock has dropped to $5/ share, so your $1,000 buys you 200 shares! Let's factor the dollar cost average, though: • You have invested $4,000 over 4 months. • You have accumulated a total of 450 shares • Your average price is $8.80/share ($4000 ÷ 450 shares) = %8.80/share $8.80/share is $1.20 cheaper than your original purchase at $10/share, but it is still $3.30 more than the current market value of $5/share. But you own $4,000 worth of stock! In short, the "buy, hold, and pray" theory says that if you keep investing the same amount, the market will always rise over a 20-year period, your investment base will "average" out, and you will make money. It works great . . . until it doesn't work. Let's talk about why it may not work. The irony of why it doesn't work is as ironic as the theory itself. Why was dollar cost averaging created? Because the market doesn't always go up. The market can actually move in three different directions: 1. Up 2. Down 3. Sideways (nowhere) Every stock and every index is moving in one of these three directions at any given time. Now, if you're depending on the dollar cost averaging model presented above, how many ways can you make money? The answer is one -- when the market goes higher. That means that in 2/3 of the directions the market can move, you're destined to either not make money or to lose money! Knowing that this investment strategy only has a 33% chance of being right, what is your investment adviser's solution? BUY MORE! Because so many advisers encourage this style of investing, the American public assumes it's the only way to make money. But this is not true. Before the Great Depression, everyone knew there are two different sides to a trade. You can make money when the stock goes up, AND when the stock goes down! But because the US economy has mostly been in an upward market since the Great Depression, the idea of buy and hold for 20 years has worked -- because up until now the market has ultimately continued to rise. But how many ways can the market go? Three! And smart investors know this. Smart investors and traders do not limit themselves to a strategy of buy and hold. They want more flexibility. They want strategies that allow them to make money when the market goes up, and when the market goes down. And that's why they're successful -- because they're flexible! They understand the market not only can, but it will go one of the three ways at any given time. Smart investors want to be prepared for those moves.

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Mistake Number Five: Failure to Trade with a Plan After the first four lessons in this e-book, I'm sure you are beginning to see a change in your trading behavior and psychology already. That's because the first four lessons I laid out for you are critical elements in becoming a good investor. However, they do not compare to the next three I'm about to share with you. These next three lessons -- 5, 6, and 7 -- are the most critical. In Lesson 6, I will address your mental state when you invest, and in Lesson 7, I will reveal the greatest key to being a successful investor. But before we get there, let's talk about lesson five: Failure to Trade with a Plan. If you look back to Lesson 1, the first mistake I taught you about is the failure to limit your losses. I introduced you to a stop order in that lesson. This quote takes that lesson one step further: "Good traders trade with stops; great traders trade to targets." (I would love to give appropriate credit, but I honestly have no idea where I heard this wise statement!) So, good traders use stops, but you don't want to be a good trader do you? You want to be GREAT! So if you want to be great, you have to learn how to trade to a target. This philosophy embodies the idea of a trading plan. A trading plan is simple and not complicated at all to create. Before you place any trade, you just need to know at what price point you plan to enter the trade and at what price point you plan to exit. That's a plan! Once you set your plan in place, you should always follow it. Failure to execute your plan will lead to holes in your trading system and will eventually cost you money -- probably LOTS of money! The beautiful thing about a trading plan is it forces you to trade what you really mean to trade. After you do a proper analysis (laid out in Lesson 2), you must trust yourself. You must trust your analysis and believe it will follow through. At that point, you "plan your trade and trade your plan." An old saying I heard goes like this: "Failure to plan is planning to fail." There's no place where this saying is more appropriate than in the stock market. The market is ruled by two emotions: fear and greed. These two emotions are constantly at work, which is why planning your trade is so valuable. If you plan your trade and stick to it, you can begin to limit the amount of emotion you allow into your trades. This means you can make solid analytical decisions when you are not in the trade. You want this level of checks and balance, because once you hit the trade button, all logic flies out the window, and you will be left with nothing but emotion. By learning to work with a plan, you can compartmentalize your trading decisions and limit your trades to the ones you really want to do. Then once you are in the trade, you trade to your target, take your profit, and turn around and do it it again. It is much better to trade for small, consistent profits than to try to turn each trade into a huge winner. To start learning about your first trading plan, make sure that you come to your Foundations of Stocks and Options Scholarship Class. It truly is the first step to becoming a successful trader. In this class, you will learn many of the foundational aspects of the market.You don't want to miss this!

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Mistake Number Six: Failure to Trade Neutral Up until now, we have presented you with several common mistakes investors make. The distinction of these first five lessons is that each mistake can be corrected by you, the investor, by doing something -the solutions are all action-based. But this lesson is a bit different. This lesson has to do with your state of mind! Investing is a difficult profession. It doesn't have to be, but it tends to be. The reason is because of two factors: â&#x20AC;˘ The subject matter: Money â&#x20AC;˘ The person placing the trade: Human Nature Money is a funny subject. If you're indifferent to money, it will generally elude you, run away, and find somebody who has been asking for it. And yet if you care too much about money, you will be overcome with greed, and that can be even worse than not having any money at all! Whether consciously or subconsciously, everybody knows that is true. And that is the nature of the second point. Because we're human beings, we cannot run away from the human nature of emotion. Two of the strongest human emotions are fear and greed. It's no surprise, then, that these are the two emotions with which investors most often do battle! One common fear is the thought of losing all of your money. Not that losing all of your money should really be your greatest fear in life -- there are many things I can think of that are much worse than losing all your money. But nevertheless, it's a very real fear that has the ability to capture about 100% of the people investing in the market. That's everyone! Just like everyone battles fear, everyone also battles fear's opposite: greed. Greed comes from a hoarding mentality where you are so afraid of losing everything that you start trying to control and hold onto everything you can get your hands on. Greedy people desire to own it all. These two nasty demons have ruined many a good investor. And I feel it's safe to say these two emotions are the root of most emotional problems in traders' minds. But they are not the end all. Because of the emotions of fear and greed, investors are subject to several other emotional barriers. Having an idea of some of these barriers will help you push through and become a successful investor by trading neutral, with fear and greed in balance. Some of the barriers you may face include: Tunnel Vision - Tunnel vision is the result of being so focused on the outcome of a trade that you cannot open your vision wide enough to see a better analysis, one which may keep you out of trouble. For example, you may feel a stock must go up because of A, B, and C factors. But perhaps factor D completely overrides factors A, B, and C, but since you are so focused on the former, you ignore the solid warning of factor D. Paranoia - When fear takes over, paranoia sets in. It's that simple. Paranoia can drive you absolutely batty, leading you to question everything from whether or not you entered the trade at the right time to whether or not a health care summit in Japan could affect your trade. The result of paranoia is usually over-analysis, and this leads to analysis paralysis - where one is paralyzed from making good

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investment decisions due to too much analysis information. (Using a good analysis system, as explained in Lesson Two, will go a long way toward helping with this.) Indecision - When you're afraid, your mind has two little stories that each tell a different tale. "The stock is going to go up." "No, the stock is going to go down." In the end you are confused and unable to make a decision. As a smart investor, you must learn how to keep your decision-making skills functional; otherwise, you will dry up, and your investment account will soon follow! Self-doubt - Self-doubt leaves a person feeling insecure, as though he or she cannot be successful. The result of self-doubt is to always look somewhere else for a third party to help make the decision. But as we learned in Lesson Three, you must take personal responsibility if you want to be a successful investor. That also means you must own up to your self-doubt and take steps to correct that problem. Depression - If you are not careful, the above symptoms can lead to straight-up depression. If you find yourself in an investing slump, maybe after a series of losing trades, you may be prone to slip into depression. Depression will lead you to make irrational decisions and will intuitively lead you to do things that will only cause the depression to worsen. If you are depressed, the best thing to do is stop all trading and investing until you can think more clearly and make wise decisions. Tendency to Gamble - The first five symptoms all grow out of fear. But this last one is the only real emotional behavior we can tie directly to greed. Simply put, greed makes people do stupid things. It leads people to buy stocks they have no business buying. It leads people to skip steps in their otherwise iron-clad analysis. And worst of all, it can cause people to chase trades and try to make something happen when the trade is no longer valid. To be a successful investor, you must learn to keep these things in check. Otherwise, you will simply be placing blind trades, and blind trades are nothing more than gambling. These are some of the most common emotions that grow out of fear and greed. To be an effective trader, you must not only learn to manage your emotions but also learn how to approach each trade with as few of these distractions as possible. The more distractions, the more imbalanced you will be. The more you can limit or eliminate these emotional factors, the more balanced you will be. And consequently, the more quality trades you will be able to place. I truly cannot encourage you enough to come to your Foundations of Stocks and Options Scholarship Class. It truly is the first step to becoming a successful trader. In this LIVE class, we will address many of the psychological problems that I have discussed in this email. In the next and final lesson, I am going to reveal THE KEY to being a successful investor through trading the stock market.

Mistake Number Seven: Failure to Properly Educate Yourself In the last lesson, I talked about the importance of remaining emotionally neutral in your trades. In this final lesson, I want to discuss what I believe is the key to being a successful investor. I believe this is one of the most important keys to being successful at anything in life. Above all else, I believe the most common mistake most investors make is the failure to properly educate themselves.

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Simply put, education is knowledge and knowledge is power. Power to make the right decisions. Power to understand the big picture. Power to zoom in and understand the details. Education is the key to being really great at anything a person decides to do. Last year we had over 4,000 students come through Level 1 of our Foundations of Stocks & Options online workshop. At that time we let anybody show up, and then we encouraged them to buy Levels 2 and 3 (now we offer only a limited number of free seats via special scholarships). I was always amazed with each class at the number of students who would write in and say they loved the class, but they couldn't afford to take Levels 2 & 3. Many of them told me their plan was to take the money they had and trade until they could afford the class! Ha! Really? Now, don't get me wrong -- I'm not upset they didn't pay me to teach them to trade. I have no feelings on the line with regard to that. But note the IRONY: In one breath they were saying, "I need education; I don't know how to trade," and in the other breath they were saying, "I'm going to take the little money I have and risk it in the market so I can afford to learn how to trade." Let's put that in a different perspective: What if you wanted to be a doctor, and you walked into a hospital and said, "I can't afford to go to medical school, so I thought I would do a few heart surgeries to pay for my education. After that I will be able to afford to go to school and learn how to do it correctly." What would the hospital do? They would laugh you out the door! Moreover, what if you were the patient? What if you walked into a doctor's office to get a surgery consult and found out the doc was practicing medicine to earn money to pay for school? How would you respond? Now imagine, that your entire financial future (your retirement) depends on you being a successful investor. Deep down you know you can lose money. Deep down you know there are mistakes you could make that could wipe you out. Why would you choose to invest without having a proper investment education? Okay, I know -- it's not as critical as your heart . . . it's not life or death. And if you go broke, and I mean completely broke, it's still not going to be as terminal as death! But it may well be the death of your investing career. It may leave emotional scars related to your investing that are so deep you could need therapy to overcome them. (Don't laugh -- I've seen this more than once!) Common sense says you cannot learn a critical skill set like investing by just putting money in a stock and waiting to see what happens. That's not reality. That's . . . GAMBLING. There is a theory of the universe that's been popular for the last few years called the law of attraction. This law states that "like attracts like" and that whatever reality you have created in your life is the result of your actions. In other words, you attracted your circumstances! The great irony is this: my students who believe they can "trade until they have enough money to afford education" are usually the ones who are the most worried about losing money! And so, without meaning to, they take the path to guaranteed failure. Out of the fear of not having enough money, they take the $4,000 or $5,000 they do have, put it in the market blindly, and try to make a few hundred bucks to pay for class. You know what happens, don't you? They lose it all. It starts by entering a trade based on a gut feeling, not based on solid analysis (Mistake Two). Then it moves into the shock and horror of realizing the market does not always go up, and you can (and will) lose money if you're not careful (Mistake Four). At this point the investor realizes he just lost a bunch ÂŠ Financial Puzzle, INC !

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of money, his biggest fear, and now he has to make twice as much just to break even. If only he could have prevented the loss (Mistake One). Soon, he finds himself in a profitable trade, but while holding out for a little more, the trade turns against him, and he ends up losing money because he didn't know when to exit the trade (Mistake Five). At this point, the new investor becomes discouraged and can no longer think straight. His $4,000 has turned into $1,500, and the need to make money is greater than ever. Grasping for success, his need turns to desperation. He is trading based on pure emotion, with no rationale whatsoever (Mistake Six). Finally, when he has lost everything, the blame game begins. "HE said this stock would go up. The Market Makers are out to get me! It's impossible to make money in the stock market because of greedy Wall Street people." And what you see culminating is the trader who has now fallen prey to Mistake Three -failure to take personal responsibility. It all started because this poor investor was so worried about losing money that he chose to risk his money without education. That decision triggered a chain of events that would guarantee his worst fear -- a total loss of his money. The blame can go far and wide, but the answer was standing right there the whole time, reflected in the mirror. There is only one person who can create a different outcome, and it all starts with a solid education. If you have not signed up for a scholarship class yet, visit our website at www.TradeSmartU.com and sign up for a free scholarship class (and don't forget to bring a friend!). I want you to benefit from my years of education and I want to either personally, or through one of my certified trainers, teach you how to trade the stock market yourself for consistent monthly profits. With the right education, I believe anybody can, and will, be a successful investor. Do not make the mistake so many others have made, believing you can invest your way to education. First, be educated, then go be a success!

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