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Why You Should Stop Trying to Beat Wall Street



After 30 years, I learned a better way. I let Wall Street come to me. ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ 

Fellow Investor,

Here’s the hard truth most investors never hear…

Trying to outsmart Wall Street at its own game is a losing battle.

I’ve spent more than three decades in the markets, and one thing is undeniable:

Wall Street has more speed.

More capital.

And far more information than the rest of us.

That’s why, years ago, I stopped trying to beat them at their own game.

Instead, I do the opposite.

I’ve designed a system that makes Wall Street come to me…

Here’s what I mean… 

Most investors begin  a trade by buying something and hoping it works out.

I don’t.

In my approach, Wall Street does the buying — and not only that, Wall Street’s traders even compete with each other for the chance to pay me!

That’s why this approach is so effective.

Almost every single week, I’ll carefully use my strategy’s indicators to discover the stocks that Wall Street wants most.

And then I let them come to me.

That demand does the heavy lifting.

Not because I’m smarter than Wall Street — but because the structure of the trade puts the odds in our favor.

  • I don’t need a stock to soar.
  • I don’t need perfect timing.
  • And I don’t need to predict tomorrow’s headlines.

Over the years, this disciplined process has produced remarkable consistency.

Since I began tracking these trades, I’ve made 1,281 recommendations — with 1,236 closing as winners.

That’s a 96.49% win rate.

Every Thursday the market’s open, I send out clear, step-by-step instructions to a small group of investors that explains how I’m setting up the next trade.

And all these investors need to do is follow my lead.

So if you’ve ever felt like investing was harder than it needed to be, this may be the approach you’ve been looking for.

I invite you to take a closer look.

I’d like to show you what becomes possible when you stop chasing Wall Street…

And let it come to you instead.

Sincerely,

Jim Fink,
Editor, Options for Income

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The One Item You Need to Survive the Winter Freeze



When Nellie Bly raced around the world, she brought just one creature comfort...
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Delivering World-Class Financial Research Since 1999

The One Item You Need to Survive the Winter Freeze

By Dr. David "Doc" Eifrig

When investigative journalist Nellie Bly set off on her whirlwind 72-day race around the world, she famously packed everything she needed into one 16-inch handbag...

That was back in 1889, an era when women would typically travel with multiple trunks.

Since Nellie was going solo with one bag, she had to pack the bare essentials.

But she did allow herself one creature comfort: a big, heavy jar of cold cream. She relied on it "to keep [her] face from chapping in the varied climates."

And back then, the star ingredient of cold creams was none other than a waxy substance... scooped out of the head of a sperm whale.

Called spermaceti, it was a prized luxury skincare ingredient and used for moisturizing and treating chapped skin. Thankfully, nowadays, we have other ingredients that don't involve killing a bunch of sperm whales. They're ingredients that help reinforce the skin's natural barrier, which keeps moisture from escaping hydrated skin... something many of us battling dry, itchy, and flaky skin in this especially chilly winter need more of.

Skin is our greatest protector. It's the physical barrier between you and the outside world. It keeps out germs, protects you from infection, and helps regulate your body temperature. And during this time of year, it's constantly fighting against the weather. So you're left with itchy, tight, and tender skin that can even crack and bleed, which leaves you open to infection.

That's why today, I'm sharing three tips for soothing dry winter skin...


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How to Soothe Dry Winter Skin

First, let's talk about washing...

It seems like bathing should rejuvenate your skin's moisture... But if you're doing it wrong, you're causing your skin more harm than good.

Those long, hot, soothing showers damage your skin cells – specifically the keratinocytes which help keep your skin barrier strong – and make your skin more prone to drying out.

Do what I do and counteract these effects by taking lukewarm or warm showers. A water temperature of roughly 98 degrees Fahrenheit is what dermatologists typically recommend. And when you shower, be efficient and quick – shorter, five- to 10-minute showers are key to keeping dry skin at bay. Leave the door closed, too – that way, you'll keep the humidity in the bathroom to better quench your thirsty skin.

Choose a gentle, fragrance-free, moisturizing cleanser that doesn't make your skin feel tight after you shower – which is a sign that you've gone too far and stripped it of natural oils and water.

Here's a bonus tip: Look for a cleanser with a pH around 5.5. Believe it or not, the pH of our skin is naturally on the acidic side and not neutral (a pH of 7.0 is considered neutral). The lower pH comes from the barrier, or what's called the acid mantle, which is our skin's first line of defense. So choosing a cleanser with a slightly lower pH will keep the natural bacteria that patrol our skin to fight off harmful visitors (pathogens) thriving.

Eucerin's Advanced Cleansing Body & Face Cleanser and Sebamed's Gentle Hydrating Cleanser are good examples. Plus, just as the former's name suggests, these cleansers do double duty and are fine for your body and face.

And in general, use less soap during your shower, focusing on the nooks and crannies – like the armpits, toes and feet, and groin areas – that can trap sweat and dirt. Finish up by gently patting or blotting your skin dry with a towel and, for the grand finale, moisturize right away.

Speaking of moisturizers, it's key to seal all of that hydration in, too.

That's why my second tip is to consider trying rich, oil-based creams – rather than water-based lotions – for dry, cracked winter skin.

The oil will provide a thick barrier on your skin that will keep its moisture in, acting as an occlusive. Oils also contain nutrients like fatty acids that act as emollients, filling in the cracks in dry skin to soften and soothe.

If you've only got water-based lotion that you want to use up, try adding some jojoba. Jojoba oil is an excellent emollient, and its waxy character mimics our skin's natural oil, known as sebum. It also contains a lot of antioxidants like vitamin E. Adding a few drops of jojoba oil to a dollop of moisturizer works great. A lighter option is squalane oil. And if you suffer from adult acne, both jojoba and squalane are less likely to clog pores and cause breakouts than, say, coconut oil.

If you want to go even further, lock in the hydration with an ointment. Once the cream has been absorbed, apply a thin layer of an occlusive like CeraVe's Healing Ointment to prevent moisture loss. You might have heard of the term "slugging," a term coined by skin-care enthusiasts online. Well, you're doing just that: applying an ointment to lock in moisture – and creating a wet, shiny appearance.

And just like with your choice of cleanser, avoid fragrance in your moisturizers because they contain chemicals that evaporate easily and can take your skin's moisture with them.

Finally, don't forget: Hydration starts under the skin, too.

Of course, drinking enough water is important for keeping dehydrated skin at bay. But you can bolster that hydration by consuming more of something else...

That's omega-3 fatty acids.

These healthy fats help fortify the cellular walls throughout your body. Just like putting oil on your skin locks in moisture, putting omega-3s in your body will keep you hydrated.

In fact, a study published in the Skin Pharmacology and Physiology journal found that eating half a teaspoon of flaxseed oil for 12 weeks improved participants' skin hydration by 39%.

So eat your omega-3s throughout the year in order to strengthen the cells that make up the moisture barrier in your skin, so that you're protected come winter. Here are some great sources of omega-3s...

  • Fish and seafood like salmon, mussels, and shrimp
  • Plant oils like olive, flaxseed, and walnut
  • Nuts like walnuts, almonds, and macadamia
  • Seeds like chia, pumpkin, and flax
  • Vegetables like Brussels sprouts, avocados, and spinach

Take charge and protect your skin from drying out this winter. By making small changes to your bathing and moisturizing routines, and by choosing foods that will hydrate you from the inside out, you can keep your skin healthy – despite the dryness all around you.

Enjoyed these tips? Well, be sure to check out my Retirement Millionaire issue from earlier this month on my top 12 tips for boosting the "feel good" chemicals in your body.

In many cases, you'll feel the benefit within a matter of minutes. And best of all, these tips won't just lift your mood... They'll also support your heart, muscles, brain, immunity, and more. Not a subscriber? Get a trial subscription here.


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What We're Reading...

Here's to our health, wealth, and a great retirement,

Dr. David Eifrig and the Health & Wealth Bulletin Research Team
January 29, 2026


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