James believes return on equity and dividends create and drive investor wealth. Investor wealth is generated over the long term through wise analysis and stock purchase choices. He chooses value investing as his style because he wants to buy stocks cheap. Buying cheap also reduces risks, which is the first step in avoiding losses. One of his favorite metrics is price to earnings; he looks for historically low PEs. He also looks at debt ratios, cash flows and other fundamental analysis techniques. He likes to have a cash balance for helping him dollar cost average in and out of positions. He also employs some basic sector rotation. Minimizing risk is one of his primary goals and he strives to maximize returns while reducing risk. He prefers to measure risk in a portfolio. Losing capital is a risk he tries to avoid. To minimize the risk of an investor seeing a loss or selling early, he attempts to employ a low beta technique and combine it with a high dividend yield to reduce volatility. He truly believes in this game of investing you make the most money by simply losing the least. His model and philosophy is an attempt at just that. There are always great value opportunities in market and he strives to find them. James has a both a Bachelors degree in Business Administration and an Masters of Business Administration with a focus in Finance from William Paterson State University of New Jersey. At William Paterson James served as head of the University's Student Managed Portfolio which invests part of their endowment fund in the capital markets. James is also a Covestor Model Portfolio Manager.