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• AP P E N D I X B •












                                Chris Gessel


















           Chris Gessel is executive editor and chief strategy officer for Investor’s Business
           Daily. He is keenly focused on content to help investors. I talked with Chris
           about some of his approaches to investing. I also wanted to share with you a
           sense of our “behind the scenes” work.

           Amy: Chris, over the years what have you found are the most important
             things for an investor to do in order to succeed?
           Chris: Many investors want to make money in the market all the time.
             They find it nearly impossible to step back from the market when it’s in
             a downtrend. Yet, the worst time to be buying stocks is when the general
             market is in a correction. If investors continue to buy stocks during a
             downtrend and lose money, they eventually give up and walk away from
             the market.
                The secret is to stay engaged in every market, but especially while it is
             correcting. Yet many people, even if they aren’t losing money, become
             demoralized and pessimistic. I know the feeling, After weeks, months or



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