What a lot of people don't realize (or have forgotten), is that I actually lowered my annual subscription fee by another 25% for awhile in 2012 after a disappointing return in 2011, which happened because of some adjustments that I made that didn't pan out. I still made 8.44% while the S fund was in the red though. I didn't lower the monthly fee because let's face it, monthly subscribers can quit anytime they want to if they don't think the service is worth it. Last year was disappointing as well, but it wasn't because of my system or anything I did. It was because of the IMF, which I talk about in my end of year report. With well over a year of new data under my belt, it appears as though I've gotten it figured out again. My system might even be better than before. Only time can determine that though...................
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