I am a partner in the website InvestorsMonitor.com with David Frazier. The purpose of that site is to inform you of "Everything you need to know, but nothing more" regarding factors and developments affecting the financial markets. We do that by doing extensive research and then presenting what we think is most important. This saves investors considerable time. Our goal is to help investors avoid the big downturns and participate in the upturns. All commentary is fact based without hype or emotion. We provide a quality even though free weekly commentary. We encourage investors to compare us to their current sources of investing information.