On this show, Rick Parks claims that he sells his investments every time they fall 5%. (Buy high + sell low?? Great way to lock in the losses!) The market declines 5% more than twice a year on average. So his strategy calls for locking in those losses of roughly 10% every year?! Most professionals tell you to buy the dips, but not Rick. He says to sell the dips. (I guess someone has to be on the other side of the trade.) But buying high + selling low just doesn't work. He said that he uses ETF's, but, most ETF's are even more volatile than the broadbased market, resulting in more frequent 5% losses than a broad based index like the S+P 500. I doubt that Rick actually sells out every time we have a 5% pullback. He talks about the 2008 market, but doesn't mention all the times each year he would have had to sell out in 2012, 2011, 2010, and 2009 if he actually followed this strategy. He wouldn't have any assets left if he really sold on every 5% pullback - it happens all the time. You need to get this incompetent insurance salesman off the air. How about more Clark Howard or anyone who is half way competent?