TSP Watch

March 24 PM update

2005-03-24T20:19:00.000-06:00

The indexes continue to post losses, with the EAFE Index (I-fund) starting to deteriorate also.

My personal TSP is 100% G-fund, both balance and future contributions, until further notice.

Also, some market trivia. Here is a list of the prior "Bear Markets" in history, and the political party in office.

Oct 1929 Crash - most famous crash in history. President: Hoover/Republican

Jan 1973 Crash - also hurt by with Arab oil emargo later that year. President: Nixon/Republican

August 1987 Crash - also very famous. Time of huge defense spending, Star Wars missle program, large deficit, and cocaine smuggling. President: Reagan/Republican

March 2000 Crash - end of "the internet bubble" President: Bush/Republican

admittedly, in March 2003, under Bush, the market began a new uptrend, however, all crashes in history have occurred under Republican presidents.

also note that Wall Street is in NY, a major democratic state

Not trying to adovacate a party, however it is interesting to see how the market has performed in the past.

Stock markets are CLOSED on March 25, for Good Friday.

Have a good weekend

Monday March 21 night update

2005-03-21T23:50:00.000-06:00

TDY again guys but I have my laptop, so....

NASDAQ continues to slide further downward, it is below its 200-day moving average again, however on less than normal volume. The financial press speculates this is due to "big money" being on the sidelines today in anticipation of tomorrow's interest rate decision.

I see no positive signs for a magical reversal of the markets downward slide in the next days to weeks. I am personally 100% I-fund and possibly going to 100% G-fund in a week or two, depending on what we see in the indexes.

No other major market news at this time.

see ya

Sat March 19 WEEKEND WRAP UP

2005-03-19T11:01:00.000-06:00

Well the markets continue to slide downward, breaking key "technical areas" -

The NASDAQ (largely tech companies) closed below its 200-day moving average, which is a key area watched by Wall Street. The 200-day MA is 2014. In addition, 2100-2150 zone represents overhead resistance that the NASDAQ just cant get up thru. Furthermore, Friday's volume was above average, with the index closing down from the previous day. This has happened about 5 times in the last few weeks, indicating a likely bear market ahead.

The SP 500 index is above its 200-day MA however it also suffered heavy selling and closed down.

So, in summary, the US Markets are not looking good. The MCSI EAFE Index (I-Fund) amazingly is resistant to US behavior (world markets typically do follow US markets) and while a little bit lower, has not seen the drastic losses that the US indexes have.

As a side note, we have 12 members signed up on the message board after Day 2. I think that is great, and encourage more people to join. Its free, and meant to serve as a medium to like-minded TSP investors.

Everyone have a good weekend.

Interactive Message Board operational

2005-03-17T23:20:00.000-06:00

The TSP Watch interactive message board is operational. This will take this blog "one step further" and allow members and website viewews to interact with one another. I will also be participating as time allows.

http://tspwatch.forumco.com/

Thanks!

March 17 2005 Update

2005-03-17T21:14:00.000-06:00

Hello all!

I apologize for the lack of activity, I have been on multiple TDY's and in training lately, when I was not doing work stuff, my family wanted time with me. Something had to give, so.....

In any event, let me summarize whats going on in the markets. Let me first state my current TSP status:

100% I-Fund however likely going 100% G-fund in the next couple of weeks.

The markets are suffering from high oil prices, rising interest rates, poor corporate earnings releases, amongst many other things. The market, composed of humans, are effected psychologically by these things, which result in sell-offs.

The NASDAQ still has yet to punch up thru 2150, the SP 500 has not gone thru 1250. Once it does, we can go back to S and C-funds. Right now, the I-Fund, which is non-USA stocks, is the best performing index.

I would also like to say that I am attempting to interface a message board into this website. Hopefully in a week or two that feature will be operational.

Thanks everybody and take care!

Jan 11 Update

2005-01-11T21:12:00.000-06:00

Hey everyone, I apologize for the lack of activity, I just got done with a PCS move and just when my wife and I thought "we needed to buy some things for the house", we just discovered (100 boxes of crap later) that maybe we can cancel that idea.

Today the market confirmed that the March 2003-Dec 2004 rally is dead. Again, this is not my opinion or my crystal ball, it is fact, based on the high number of "sell off" days (distribution days) within a short span of time. Enough of these days will take the life out of any rally, and it happened again, with today being the final "nail in the coffin."

My TSP balance is 100% G-Fund. Balance and Contributions, both 100% G-Fund.

If you did not go to G-Fund a earlier, when the market had some early warning signs, I suggest you re-evaluate things and do what is best for you and your balance. Observe that G-Fund historically is 3-5% a year. What is better than riding a rally up, bailing out to "safe haven", while the market crashes, get 3-5% (while your buddies are taking -10,-20% hits), and then when the market is rallying again, get back on the train?

Do what you think is best. As always, this site is educational in nature and do your own research, as TSP Watch is not a registered broker, advisor, or other professional.

You guys be safe in the field, TSP Watch is 10-19 until further advised.

Tues Jan 04 close of market update

2005-01-04T16:11:00.000-06:00

TSP Watch account will be 100% G-fund at this time.

Account Balance will be 100% G-fund and Future Contributions will be 100% G-fund.

Today, Tuesday Jan 04, 2005, saw the indexes close lower than yesterday on above average volume, and today's volume also was higher than yesterday. As you know, yesterday was the first full day of heavy selling ("distribution day") we have seen in a long time, and no "red flags" have popped up until yesterday.

According to Investors Business Daily (and corroborated by reality), four or five of these days over a few weeks will send a formerly-strong Bull market into a down Bear Market.

Today was Distribution Day 2 of (the required) 4.

Since I am a scaredy-cat, and in light of the fact that it takes two business days to process fund transfers, I personally went 100% G-fund today. If I am wrong (and I hope I am...), and the market reverses and climbs higher again, great, we go back to stock funds.

However if the market warns you (and it will, every time), it pays to heed what it is saying

like thunder and lighting on the horizon, you still have time to get under cover and tie down your stuff. Wait till the storm hits, well sucks to be you.

Disclaimer: Do you own research, use your own judgement, etc etc. TSP Watch is not a broker, investment advisor, etc. This site is educational in nature only.

Monday Jan 03, 2005 update

2005-01-04T10:37:00.000-06:00

Hello and I hope everyone had a good Christmas and didn't drink too much alcohol over New Years.

Just a heads up...

Remember, the market is always right, and does not care how you or I feel, or experts opinions on CNBC. It will do what it does. Best strategy is be "in sync" with the market and don't argue with it, it will cost you money

with that said

Market had a "distribution day" yesterday, Monday, Jan 03, in which one or more (all of them this time) indexes closed lower than the previous day on above average volume. This is a way to determine "institutional selling" which is the selling of stock by mutual funds, hedge funds, pension plans, etc, also known as "big money". Aunt Sally on E-Trade does not move the market, but institutional money does.

basically, we had a major distribution day yesterday. It takes 4 or 5 of them within 2 or 3 weeks to turn a bull market into a bear. Lets monitor the situation but be ready to switch to G-fund if need be. I personally will switch if we get 3 days of distribution, since it takes TSP two days to process the request, and I dont want to be too late on things. If we are wrong, life goes on, we go back to the stock funds at that time, no sweat

50/50 S and I-fund, but standby for possible 100% G-fund.

later

Dec 23 PM Update

2004-12-23T21:01:00.000-06:00

First, Merry Christmas and Happy to New Year to everyone out there...

No major news updates, market is still doing well and TSP Watch balance is still 50/50 S-fund and I-fund.

See you after X-mas

Prayer for the Debates Family

2004-12-21T17:29:00.000-06:00

I am still on A/L and saw on the news today that one of our Brothers in Green, George Debates, was killed in a vehicle accident this last Sunday, after his vehicle rolled on Federal Route 21, on Tohono O'odham Indian Reservation, which is west of the Tucson, Arizona area.

http://www.dailystar.com/dailystar/metro/53490.php

According to the news media, Mr. Debates joined The Patrol in 2000.

While we are all with our families (or not with them...either way...) this holiday season, lets remember the Debates family and say a prayer for them.

Be safe

Tues Dec 14th PM update

2004-12-14T18:20:00.000-06:00

Hey guys

I am still on A/L, just got back from snow skiing for the first time, I spent more time IN the snow than I did ON the snow. I fell pretty hard one time and damn near killed myself. Something about speed + wind + snowflakes in your face + no control = FEAR.

Be advised I was (and still am) away from daily internet access. However I HAVE been monitoring the markets, as I hope you guys have, as this is OUR retirement.

Today, Tuesday 12/14/2004, the NASDAQ closed at 2159.84, a new 3-year high. The SP 500 closed at 1203.38, also a new 3-year high. Of all the funds, S and I are still the top performers. This can change, TSP Watch will keep you posted when it does.

"New highs" is indicative of strength. Imagine "Wall Street" is "Bally's Gym". Also pretend we are investing in the next bodybuilding champion, and of all the guys in the gym, two dudes are head to head and setting new records each day. Dude #1 is strong one day, Dude #2, strong the next. But both are neck and neck (literally).

Why would we invest in a lower quality candidate when we have these two guys (S-fund and I-fund) are the clear strong performers? Now you get the idea...

I-fund is off recent high's and showed some possible weakness earlier last week. However, it appears that it is regaining strength. S-fund is still going strong.

For the economists in the audience, it is my opinion that if we see Crude Oil decline more, hopefully (this is a fantasy) to the $35 level (it is at $42 now), and if the US Dollar can continue to get stronger, we should see some strong stock market performance over the next calendar year.

TSP Watch balance is still 50/50 S-fund and I-fund.

Be safe

10-19 till next time

Monday Dec 6 PM update

2004-12-06T19:21:00.000-06:00

Hey guys

Well the markets had a pretty much sideways day today, with the SP 500 closing at damn near what it opened at, and the NASDAQ closing slightly higher than its open. The terrorism attack in Jeddah along with a rise in oil prices scared the market.

No indications of sell-off by big money, just a market response to bad worldwide news. I see no red flags ahead. You might recall last week, Monday and Tuesday, both were lackluster days, with postive traction only occurring Wed-Friday. Maybe this week will be the same.

Historically, Mondays are always turbulent days anyway.

TSP Watch balance is still 50/50 S-Fund and I-Fund

I will be on A/L the next 2 weeks but will attempt to update things when I get a chance

Be safe

Bill

HUGE DAY today in market - Dec 1

2004-12-01T16:34:00.000-06:00

Hey everybody

As you know, Monday and Tuesday we lackluster, and alot of us were wishing for some "action" soon. Today we were rewarded. BOTH the NASDAQ and the SP 500 closed above their resistance levels, which were previously ID'ed as 2113 and 1189, respectively. This was done on above average volume, indicating lots of "big money" showing support for the market and in-bound money flow. NASDAQ closed at 2138.23 and SP 500 closed at 1191.37. NASDAQ volume was 17% above its 60-day average, SP 500 was 27% above its 60-day ave.

The "big money" represents 75%+ of the trading activity on Wall Street. These are 401(k) plan managers, pension plans, mutual funds (when you buy shares of Fidelity Magellan, the manager in turn must invest in stocks on your behalf), large banks, and similar entities. These big players are like huge cruise ships, they do not turn on a dime. And they ease into positions, but no matter how stealthy, their boats still make waves, which is seen via volume and price action.

EAFE Index (I-fund) and Wilshire 4500 (S-fund) are also at all-time highs and looking healthy.

Repeat, today was an EXCELLENT market day.

TSP Watch balance is 50/50 S and I-fund.

Later

Market comments Nov 29

2004-11-29T21:07:00.000-06:00

Well the after-thanksgiving weekend market had a rough day today, the good thing is that the NASDAQ was able to punch thru our 2113 level. Unfortunately, the SP 500 is still unable to punch thru its own roof of overhead resistance, which is 1189. It came close, but not yet. When BOTH can CLOSE above that, then we are in fresh virgin territory. Yes, the market went down immediately after the open, but recovered mid-day, indicating what is called "support" by investors.

See charts

http://finance.yahoo.com/q/bc?s=^IXIC+^GSPC&t=5d

Please note that BOTH the EAFE Index (I-fund) and Wilshire 4500 (S-Fund) are indeed long past overhead resistance and have been in fresh virgin territory for weeks now, climbing strongly. Numerous business publications have noted that "small caps are outperforming the other stocks now."

No kidding? TSP Watch told you that weeks ago, and hopefully some of you have been in S-fund for that time, scooping up nice gains.

No red flags for now.

TSP Watch balance? Currently 50/50 S-Fund and I-fund

10-19 till further advised

Happy Thanksgiving

2004-11-24T23:37:00.000-06:00

Just wanted to say Happy Thanksgiving to everyone out there....hope your Holidays are safe and enjoyable!

Today, Weds, Nov 24, was a fairly quiet day in the market, largely due to Wall Street taking the day off or leaving early. All indications point to a "Bull" market condition, and I personally am still 50/50 S-Fund and I-Fund.

The "2113" mark represents overhead resistance for the NASDAQ, and "1189" represents the same thing for the SP 500. If we can get one or both indexes up and thru those levels, we are REALLY doing well. This can be commonly found on CNBC or CNNfn, displayed on the screen at all times. Again, 2113/NASDAQ and 1189/SP 500.

Hope everyone has a good thanksgiving.....you guys take care

Bill

Friday Nov 19 commentary

2004-11-19T22:22:00.000-06:00

Well today we saw a pretty ugly day in the market. The indexes closed lower, on above average volume. This is indicative of selling by the "big money", which are mutual funds, pension plans (to include the TSP), and large investors re: Buffett and Soros. This "big money" is responsible for 75% of the actual activity on the markets.

Aunt Susie or your neighbor down the street, on E-trade, does NOT move the markets.

Today, Alan Greenspan basically questioned if foreign investors will continue to invest in USA. Independent of that, oil prices climbed again, these two events spooked the market.

Today was a "distribution day" (coined by Investors Business Daily). One day like today, or even two, is normal for the markets. However four or five within a month's time frame is a major red flag and this would be the signal to go to G-fund. That is because historically, after four to five distribution days within a month, the stock market has almost always gone down into a Bear Market soon after. Of course, the reverse is true for a Bull Market. This requires four to five ACCUMULATION days (index closes higher on above average volume) within a month. When this happens, in almost all cases, the overall market begins a new Bull cycle, and you want to get on board the train as soon as possible.

TSP Watch Nov 19 TSP Status:

50% S-fund and 50% I-fund

Actively monitoring indexes for more down days.

Everyone have a good weekend. I will be 10-7 on A/L for the next few days but will try to keep things updated.

End of day Tuesday Nov 16 comments

2004-11-16T22:13:00.000-06:00

Well today, Tuesday, the market took an obvious breather and had a "down day." This is quite normal, as the markets cannot go straight up every single day. The market forces of buy and sell dictate that some days will be up, some down. Obviously the idea is we have more up days than down, and we are still in that condition now.

A quick and easy way to determine whether I should worry about a down market day is to take a look at the QQQ's and the SPY's, the tracking stocks for the top 100 NASDAQ companies and for the SP 500 index. Be advised, the NASDAQ tends to be the first index to show signs of bull/bear cycle, before the SP 500 index.

I look at the average volume of the QQQ/SPY, which is the average number of shares traded over the last 90 days, and then compare it to today's volume. If today was a down day, and todays volume is equal to up to 1.2 times its average (slightly above ave), I don't worry about anything. However if today's volume was 1.5 to 2.0 times+ than average, AND a down day, that is a red flag. A few of those days back to back tends to be the predictor of a pending bear market. Reverse the conditions for a bull market.

This can be found here:

http://finance.yahoo.com/q/bc?s=QQQ+SPY&t=1d

End of Week commentary - Nov 12

2004-11-12T21:25:00.000-06:00

Market had a tremendous week. For those of you in I and/or S-funds, you should be in for a nice Monday morning surprise when you check your balances. Based on action of the Wilshire 4500 and the EAFE Index (not my opinion, but cold fact), the S and I-funds are THE best performing funds right now. I-Fund is slightly ahead of S-fund.

As always, use your own judgement when investing. I will state that my personal TSP is 50% S-Fund and 50% I-Fund and I am quite happy with the recent performance. Again, use your own judgement and discretion with your own TSP, this site is "educational" in nature and I am not a broker, financial advisor, or similar person.

The "next level down" in terms of aggressiveness would be 50/50 S-fund and C-fund, again, my opinion only.

The S&P 500 hit a new 39-week high, indicating new strength in the post-election market, and a likely new upturn/uptrend. Also, NASDAQ is at a new 9-month high.

As a reminder, its end of pay period and time to turn in T/A's and AUO sheets (for those of you at muster....).

Have a good weekend

Lots of emails, reader questions

2004-11-11T23:27:00.000-06:00

Well, a big "thanks" for the emails and reader response to this new website. I had quite of few similar questions, mostly along the lines of "why shouldn't I ride it out", since thats what "they" tell us to do. "Its cheap, lets buy more." In response, let me ask:

What fund were you in when the "internet boom" and "go-go 90's" market was in force, from November 1995 to October 2000? C-Fund? Probably. Why? All your co-workers, gym partners, and every major magazine cover advocated stocks stocks stocks. And stocks it was, and you were rewarded well, due to one of the strongest bull markets in history. However, don't go high-five yourself too soon. Don't confuse a bull market with brains. Some key points:

1. What goes up will do down, typically in proportion to the previous cycle
2. You must be in sync with the market. Good/Bull = stocks. Bad/Bear = Cash or Treasury securities.
3. Follow the market itself, throw away outside opinion and emotions

Now let me ask, what fund were you in during the (see point #1) 3-year Bear that followed? From October 2000 to March 2003? Did you stay C-fund? Did you "buy more, its cheaper?" Hold that thought. Remember Enron? It peaked at $80. Lots of unfortunate hardworking moms and dads owned Enron. The same people bought more when it dropped to $60, since it was "cheaper, a deal at this price." They bought even more when it hit $40, a real "steal" at that price. And it was not their fault, they were doing what most of us were taught to do, buy MORE, its cheaper. Only when it went to 5 cents a share did they realize that you should not buy falling stocks. No, you need to be in sync with the trend, not against it. Back to the TSP. How many of you recognized red flags and went all G-fund in October 2000?

Question: What would your TSP balance be today had you exited C and went to G-fund during the Bear market? You would have earned +5-7% a year in G, while the stock market crashed.

Answer: MUCH higher than those of you who "rode it out" and took painful hits during the crash.

Another question, Re: the 90's Bull from Nov 95 to October 2000 (5 years). Lets say in 1995 you were 5 years from retirement. "G and F fund, Tom, its safe" said all your advisors and co-workers. "You never know what might happen with the market" etc etc. All well-intended advice, however this soon-to-retire employee MISSED the STRONGEST bull market in history. Imagine the gains he could have grabbed, gains he NEEDED as this was his last 5 years on the job.

Maybe this puts into perspective my fund switching strategy. I am not talking switching between funds every other day. NO! What I am talking about is monitoring the overall market and market indexes and adjusting our TSP accordingly, maybe every few months.

How do I determine market cycles? I use a combination of charts, moving average lines, and some help from the fine editors at Investors Business Daily. By combining all of the above, and throwing in some old gut-feel into the picture, I have been able to tremendously improve my own TSP balance.

If you want to catch raindrops, find the rain

2004-11-10T23:44:00.000-06:00

The three main methodologies on the stock markets:

Technical - The technician studies volume and price action of an individual stock or market, and by using charts, plots this activity and identifies key times and price points to buy or sell with the obvious goal of maximum gains. The technician believes that the "price reflects all" and it does not matter if its a good company or bad company, he will buy it if the chart tells him to. The technician monitors the stock ITSELF, and disregards everything else.

Fundamental* - The fundamentalist prices stocks by using sales reports, debt ratios, purported future sales and earnings, etc, and determines what a particular stock "should" be trading at. The problem with this mindset is that some companies may out-right lie and cheat, re: Enron. Before the collapse, Enron was $80. As it dropped to $60, Fundamentalists bought MORE, because it "should cost XX." As it dropped further, they bought even more (!). Soon, SEC and FBI investigations were made public, and company officials indicted and some have pled guilty to various fraud charges.

*This represents probably 80% of Mr. Average American's style of investing, one which he is not to blame for, since most "Investing" books at the book store teach this and also this style is what comes out of college Econ departments.

Combination Tech/Fundie - A surpisingly good method, this person uses charts to identify price and volume patterns and uses them to buy companies that have already passed the "fundamental test." What this person does is simply buy well run, profitable companies, but only when the charts give the green-light to do so.

An example of this style is William O'Neil of Invetors Business Daily.

Summary:

If you want to catch raindrops, you need to find the rain. The pure technician will turn on the radar, and go to the closest rainstorm, which is not a bad idea, although by the time he gets to the rain, it may have stopped or moved. The pure fundamentalist will measure the outside air temperature, the dewpoint, the humidity, and go to the area where he thinks there may be rain, which may or may not work. The guy who uses both goes to the area most likely to have rain from an atmospheric science standpoint, then picks an area that is also in the path of approaching exising rain storms.

When you want to catch raindrops, find the rain. http://weather.gov/radar_tab.php

Post Election market

2004-11-10T23:26:00.000-06:00

Well as we know by now, the market digested the election results well, especially since the winner was immediately known. The market does not deal well with uncertainty, and this includes events such as Presidential elections.

Today, Nov 10, 2004, the "Fed" (Federal Reserve) raised the interest rate by 2%, a move which was not a major surprise on Wall Street. Rising rates are an indication of a recovering economy, and it makes simple sense that rates will rise as the economy rises, and rates will lower as the economy gets worse. As much as we like it, the business world cannot operate on 0% down and 0% interest, and no payments for 12 months loan packages. In "tough times" this may work, but now that things are slowly recovering, rates will go higher.

The market is still in a "Bull" condition, a good thing which means you should do your research and entertain the idea of being in the C/S/I funds. Currently, the S and I are the top performers. Period, end of story. Don't take my word for it, look at the charts. Look at fact.

TSP Plan 101

2004-11-07T22:07:00.000-06:00

Just a quick overview of the TSP Plan for starters. Most everyone employed by Uncle Sam is enrolled in the TSP Plan (if not, you should be), which is very similar to a 401(k) plan commonly found in the non-govt world of corporate America. The TSP is managed by the Federal Retirement Thrift Investment Board (FRTIB).

The primary thing to keep in mind concerning the TSP is that the stock funds are designed to track stock indexes. Nothing more, nothing less. "Track" for our purposes is the same thing as "run parallel with" or "duplicate", etc.

C- FUND - Tracks S&P 500 Index (large companies)
S- FUND - Tracks Wilshire 4500 Index (small companies)
I- Fund - Tracks Morgan Stanley EAFE Index *

* Note: This stands for European Australian and Far East. This index represents stable large companies based in those areas. It does NOT represent anything else. I personally attended a recent retirement seminar presented by a well-known Financial Advisor, who commonly gives seminars to govt. employees, and asked him why he did not recommend the I-Fund. He advised me that the problems with the Brazil currency situation and the past Mexico Peso meltdown were why "we" should not be in it. Not one person in the audience even KNEW that the EAFE has NOTHING to do with Brazil or Mexico. Now you do.

Thankfully I did not listen to this polished speaker, who clearly had the audience in an hypnotic trance. The I-Fund has been THE BEST PERFORMER of all the funds since early 2003.

The next fund I concern myself with is the G-Fund. I like to call this the Gray sky Fund, to represent the fund I go to when I see storm clouds on the horizon. The G-Fund has historically returned +5-7% annually, since 1993. Nothing earth shattering, but sure beats -20% in the stock funds when the market is in the toilet. I like to "hide" in the G-fund, and scoop my 5-7% off the table, nice and safe, until the storms pass and the sun comes out to shine on a new Bull market (another name for a good, uptrending market). The G-fund tracks the returns of US Treasury securities, specially issued to the TSP Plan itself. The G-fund is damn near the same thing as your savings account at the bank in terms of risk and safety.

I do NOT pay attention to the F-Fund, which tracks the US bond market. First, bonds are a very complicated animal to track, and they have a life of all their own. Second, historically, in a Bull Market, stocks are THE PLACE to be, not G and not F. In a bad market, G is the place to be. So where does that leave F-Fund? It means you should just pretend F does not exist and focus on C/S/I/G.

As of Sunday, 11/07/2004, the best performing funds were 1) I Fund 2) S Fund 3) C Fund.

This can be checked daily via this free Yahoo site below, which is also listed under my profile

http://finance.yahoo.com/q/bc?t=1y&s=%5EEFV&l=on&z=l&q=l&c=%5Esml&c=%5EGSPC

Welcome

2004-11-07T09:54:00.000-06:00

Welcome to TSP Watch, my webpage dedicated to the US Government Thrift Savings Plan (TSP) and the use of charts to study the behavior of the stock markets and the TSP. Disclaimer - I am not a registered advisor, broker, or similar person. Do your own research before you invest. My email - the_chart_reader@yahoo.com Send me an email if you want to become a member of this site.