| Dear Friend,
The year has ended, and what a great year it was. Our 10 portfolios gained an average of 113% for the year. Only one portfolio, with the lowest starting value, lost money. Four of the ten portfolios gained over 100% for the year. It was the best year ever in our 16 years of publishing Terry's Tips,
And now we have everything in place to start out 2018 with $5000 starting amounts for all portfolios except Capstone Cascade which starts at $10,000 after we withdrew money from the gaining portfolios.
We wish you and yours a happy and prosperous New Year.
Terry
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