| Dear Friend,
We have changed our market outlook toward a bearish expectation. We are discontinuing the Java Jive portfolio next week and replacing it with a new $3000 portfolio called the Better Bear which should provide protection against a falling market (and hopefully will at least break even if the market moves higher). While Java Jive made a profit over its lifetime, the investment amount has fallen dramatically lately as SBUX has dropped for five consecutive weeks and left us with very little cash to work with.
Enjoy the full report.
Terry
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