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This article was written while “burning the midnight oil” because about 95 percent of this column’s readers who call me have a significant portion of their wealth being pummeled by the Wall Street meltdown.

Let’s take a look at the sad facts: On Thursday, October 9, 2008 the DOW took a nosedive of 679 points to close at 8,579. The next day was a bit better— down only 128 points, closing at 8,451. The DOW high during the past year was 14,280.

The DOW goes up slowly, but it comes down fast. It took 3 1/2 years for the DOW to rise from 10,000 (January, 2004) to its 14,280 high in mid 2007. This rise of 42.8 percent wasn’t bad. This was a compounded 11 percent per year.

Unfortunately, that 8,451 close on Friday, October 10 ended as the worst loss week in the DOW’s 112-year history. It was down a horrific 1,874 points for an 18-percent loss in value for the week. This is sad because history repeats, and the DOW, indeed, goes down fast.

The “bailout” is a laughable flop. Even more troublesome is the historical fact that when the DOW starts to recover, it probably will rise slowly. Just how many years will it take for the DOW to climb back to 14,280? When it does, you’ll only be even.

Let me say it loud, clear and direct: Wall Street is obsolete. No, it’s not just the recent collapse of the DOW. The entire business model (the way Wall Street works) is outmoded.

Think about it this way: If you have $1 million (more/less) in your brokerage account, your entire $1 million of capital must be fully invested (and
at risk) to maximize your potential for capital appreciation.

If you conservatively invest in CDs, tax-free bonds, U.S. Treasury notes or similar, so-called “safe” investments, you must tolerate the pain of paltry rates of return. Often these rates are lower than the annual inflation percentages. Sadly, your wealth erodes.

An alternative to the Wall Street risks and low-yielding “safe” investments is an ultra-conservative software program that produces steady, reliable and spendable income. The program manages your capital in two ways: First, it protects your capital from loss. Second, it manages your capital to consistently earn income at high rates of return.

But first, here’s a warning: As you read the examples, if you are just a normal American guy or gal, you undoubtedly will be saying to yourself, “Sounds too good to be true.” That was my exact thought when I first heard about the program.

The program manages your money with a system called “auto-trading,” which opens and closes positions in nanoseconds without human intervention.

• It earns high rates of return.

• It consistently earns profits (usually daily, and often more than once in the same day).

• It has never closed a position (thousands of positions since inception in 2000) for a loss.

• It protects your capital from a loss.

• When you make money, only your profits are shared with the developer.

The software has nothing to do with buying or selling stocks or bonds or any other Wall Street-type financial instrument. All positions are either on the Forex (trading foreign currencies) or in the “futures” market, particularly the S&P 500 index.

EXAMPLE #1

In order to verify that the program does all that the developer claims, I insisted that both he and I open a joint account (to be called our “test account”). Both of us put in $50,000 for a total of $100,000. In 10 weeks, our balance was up 55 percent, totaling $155,500.52.

EXAMPLE #2

Congress failed to pass the so called “bailout” at midday of September 25, 2008, and the DOW immediately plunged a record-breaking 777.65 points. But the program had the best day of it’s 8-year history. The reason for this was extreme volatility produces extreme profits—each starting S&P contract enjoyed more than a $30,000 profit by the end of this single day.

EXAMPLE #3

The next day—Friday, the 26th—the DOW climbed 485 points. This was a great day up for the program. Volatility, this time to the upside, delivered a profit of more than $20,000 for each starting S&P contract.

Remember, past results do not in any way predict future results.

For more information, the program developer is hosting a Webinar. He explains how the program works and answers all your questions at the end of his presentation.

The minimum investment at this time is
$500,000. Your account will be segregated, controlled by only you; and only you will be able to take money out. To accommodate those that can afford to open an account for a minimum of $100,000 but less than $500,000, the developer intends to start a hedge fund. Then, anyone who is a qualified investor can join the profit-making fun.

To join the Webinar, which meets every Saturday at 10:15 a.m. Eastern time, please fax your name; address; all phone numbers where you can be reached; and the nature of your funds (personal, company, IRA or other) to 847-674-5299. Also, include the estimated original funding amount for your account. Please mark “Software” at the top of the page followed by your e-mail address.