Volume 2 Number 3 July 1997

Executive Editor: Gang Bao, MD 78, Louisville, Kentuky, USA

Editor's Words:

As I finally put the newsletter together I felt some kind of relief and
happiness. I really appreciate our alumni for their article contributions and commends on how to improve the newsletter. In this issue, articles from Benquan for News about Nanyi Campus give us updated information on recent development at NMU, where we became know each other. A new issue brought up in this newsletter is the job security. As usual we offer alumni references about job hunting and grant writing skills as a help for our scientific career. As an alternative, we have now papers discussing possibiliti setting up own business or investing in the stock market.

I tried to include topics most alumni abroad feel interesting and useful.
However, this wish may not be filled due to many reasons. With the newsletter comes out now, I would like to get feedback from you in order to improve our editorial work in the future.

CONTENT

1. ONMUAA BOARD ANNOUNVEMENT (June 1997)
2. NEWS ABOUT NANYI (NMU) CAMPUS
1) Public Relations Representative Visited NMU
2) Prof. Menren Rao is coming to visit USA
3) My Impression on NMU Campus
Part I: The First Affiliated Hospital (Benquan Shen)
3. ACTIVITIES OF THE ONMUAA MEMBERS
1) Another NANYI Alumni Gathering
2) Member Active on Return of Hong Kong
4. JOKES
5, INFORMATION EXCHANGE
1) Grant Application Preparation Guide
2) Hawaii Heptachlor Research &;Education Foundation
Accepts Proposals for its Research Program
3) Fruits, Vegetables and Antioxidant
4) Stock Market versus Savings Account

ONMUAA BOARD ANNOUNCEMENT (June 1997)

With the rapid approaching of Aug. 18, it is time again to consider the
next term of board and administration of ONMUAA. In order to give every
alumnus a chance to participate in this process, we are planning to have the following time table:

From 5/18 - 7/8: open discussion on the future design of ONMUAA.
Please send your opinion to board members or board Chairs.

From 7/18 - 7/28: forming a consensus regarding future models and if
needed, a vote may be taken by the board, including the possibility of
modifying the current bylaw to accommodate the changes.

From 7/28 - 8/18: nomination and self-nomination for future board
members and a final selection among the candidates.

As defined by the bylaw, the current board will be in charge of the whole
process of the ONMUAA reconstruction. Board chairs and secretary will
coordinate the communication and vote if needed.

The progress on each step will be sent out through e-mail and will be
posted on our home page. Because it is unknown at this time what structure of ONMUAA will look like next year, the types of candidates and positions will become clear with the progress of this process. But it is hoped that the alumni will actively participate in this process and contribute your idea and suggestion. Everything is in air at this point, YOU can shape the future of ONMUAA!

NEWS ABOUT NANYI (NMU) CAMPUS

1) Public Relations Representative Visited NMU

Benquan Shen, the representative of the Public Relations of ONMUAA,
recently visited NMU on his personal trip to China.

On behalf of ONMUAA, he met with several top officials from the NMU
main campus and the first affiliated hospital-People's Hospital. Among the attendees were President Zhensheng Zhang, Vice President Xinru Wang, Vice President Yafu Zhou, Vice President of the hospital Jun Huang and staff from the Foreign Affairs Office of the campus. At the meeting, Benquan Shen introduced how the ONMUAA was organized, the mission of the organization, current structure and future plans. President Zhensheng Zhang and Vice President of the hospital Jun Huang introduced the development and progresses in the main campus as well as in the hospital in the last couple of years, respectively. They both strongly support the work of ONMUAA without any reservations.

Benquan Shen also visited several labs in the campus. This visit promoted
the mutual relationship between ONMUAA and NMU. It was very successful.

2) Prof. Menren Rao is coming to visit USA

Prof. Manren Rao, Chairperson of the Department of Cardiovascular
Pharmacology at Nanjing Medical University, will come to USA for an
international meeting on June 20. Her first stop is New York where she will stay with her daughter, Qingyue Liu, for about two weeks. Then she will go to Arizona for the meeting. After that, she is going to give a seminar in California and then go back to her daughter s in NY until late of Oct.

Prof. Rao is well-known for her research in Cardiovascular Pharmacology.
She has published hundreds of papers in the field and currently has 10 Ph.D. students in her laboratory. She has earned many honors and awards, among them the Standing Councilor of Chinese Cardiovascular Pharmacological Society, Chinese Pharmacological Society, Jiangsu Pharmacological Society, Editor of J. Pharmacology and Toxicology, Acta Pharmaceutica Sinica, Pharmacological Sinica.

If anyone is interested in inviting Prof. Rao to give a seminar at your
institution or if you want to know more about Prof. Rao's research area,
please contact Benquan Shen at (415) 225-8814(O) or (415) 566-5605(H) or e-mail at [email protected].

3) My Impression on NMU Campus (Benquan Shen)

Part I: The First Affiliated Hospital

During my recent trip to China, I visited both main campus of NMU and
its first affiliated hospital. Following is a sort of update about the first af hospital based on what I saw and heard while I was there.

On April 30, with help from Prof. Zhongfang Ao (former Director of
Dept. of Hematology, currently Head of the Consultative Expert Group), I
visited the first affiliated hospital- People's Hospital. After taking a walk around the hospital, I was arranged to meet with Prof. Jun Huang, Vice President of the hospital and the First Institute of Clinical Medicine (Preside Guanling Wu was out of town). During our two-hour meeting, Dr. Huang kindly gave me a detailed introduction about the hospital.

According to Dr. Huang, the hospital was built on February 1st, 1936.
Last year, they had a great cerebration party for its 60th birthday. The hospit is the largest tertiary "grade A" hospital in Jiangsu Province. It covers 61,0 square meters of land and has 66,000 square meters of floor space, including 28,200 square meters of floor space for a new emergency and outpatient building which offers the state-of-the-art first class medical services to the people of Jiangsu Province. There are 960 beds in the hospital.

Currently, there are 3 technical centers and 42 clinical departments which include 2 "Grade A" key projects at provincial level, 3 key projects in provincial educational committee level, 4 key clinical projects in provincial public health level, 4 doctor-degree programs and 25 master's degree programs. There are total of 1596 medical and technical staff, including 88 professors, 156 associate professors, and 407 senior staff members.

The hospital has 90 pieces of modern medical equipment which costs more than 100,000 RMB each, including magnetic resonance imaging, computed tomography, digital subtraction angiography, emission computerized tomography, the new generation of bone density measurement sets, color Doppler ultrasonic scanning , laser dynamic electrocardiograms, extracorporeal lithography, and artificial kidney machines for kidney dialysis.

The hospital bears three main tasks-- medical services, clinical education and medical research. The cardiology department is well known for its diagnosis and treatment of cardiomyopathy and cardiac conduction
abnormalities. The department is also one of the pioneers in cardiac pacing, biopsy of myocardium, and intervention cardiology. The endocrinology department is specialized in treatment of thyroid diseases and diabetes. They also have advanced diagnostic and treatment methods for liver cancer and breast cancer. The dermatology and venereal diseases department is very good at allergic diseases and STD. The infectious diseases department has accumulated a wealth of data in hepatitis, epidemic hemorrhage fever and shistosomiasis. Other departments such as rehabilitation, geriatrics, intervention radiology, anesthesiology, urology, neurology and neurosurgery all have their own characteristics and strengths as well. There is also a clinical pharmacology facility at national level in the hospital.

Each year there are about 600 people participating in research and
development activities in the hospital. In the past decade from 1986 to 1996, the hospital won nearly 120 academic prizes at different levels. The hospital has become a leading hospital in Jiangsu Province in terms of staff qualifications, scientific research and overall standard.

The hospital also offers foreign exchange programs. During last decade,
178 of the key persons were sent abroad for training. It has also established sister relationships with the Second Red Cross Hospital, Nagoya, Japan, and Mount Sinai Hospital, Toronto, Canada. Recently, the hospital is planing to set up a special service program to cope with the increased population of foreign investors and visitors in Nanjing area.

Now the hospital is on its way to becoming one of the first class hospitals in the country in terms of management, academic achievement, quality of medical care and general overall performance. With this in mind, the hospital will continue developing the hospital motto, "putting the stress on both medica skill and ethics while placing the patients' benefit above and beyond all other considerations". They will take the challenge and enter the 21st century with confidence and determination to accomplish their great historical mission.
ACTIVITIES OF THE ONMUAA MEMBERS

Another NANYI Alumni Gathering

Several weeks ago, Yiwen Tao (MD78, USC, 818-445-7450) hosted a
alumni welcome party for He, Qing (GS85, Atlanta, GA, 770-939-1523) who was visiting Los Angeles to develop business network. Alumni who attended to the party are Zhiwei Li (MD77, UCLA, 310-398-0614), Yuanguang Lin (GS83, USC, 818-457-9211), Jianhua Gong (MD78, USC, 818 446-0103), Banghua Sun and Wenya Wang (Nanyi faculty, City of Hope, L.A.,
818-446-1296), Nan Wang (MD78, County Hospital of Los Angeles,
818-445-0342). We had wonderful time to chat about old time at Nanyi
as well as new experiences in U.S.A. Not surprised, we found a new common interest in discussion about our future: the job security.

The old dream in our mind used to be the golden opportunity in this country to develop our academic career. However, the overwhelming competition and unexpected job insecurity in science field those days forced us to look for alternative career as backups. This time, Qing came from Atlanta and brought us a practical approach towards this issue that we should try to find some secondary career (side job) as she did herself. The idea is actually practicing daily in the society to secure our life and improve living standard as well as prepare for the retirement. She has been involved in Network marketing for years, which is a part time job with low risk, small investment and high return potential. We all appreciate such discussion to reexamine our life goal and vie of living skills. The old Chinese Quote says no one is too old to learn. We think that all of us need, as a backup very soon, to start our search for some alternative way to develop our career based on individual interest and
potential.

YIWEN TAO (MD78) and Qing He (GS 85)
Member Active on Return of Hong Kong

"The 150 years of colonial Hong Kong, a history of sham and embarassment, is finally over. On the mid-night of June 30, 1997, British goverment officially handed over Hong Kong to the People' Republic of China. Millioms of Chinese and our alumni all over the world witnessed this historical event, which was peaceful, and participated in various celebration activities. The following are the celebrating events/activities our alumni participated:
"list of names of the celebrating events/activities ..."

(Everbody, please add yours to the lis t!!!)
--------------------------------------------------------------- --
----------
JOKES

1)
A drunk staggers into the bar (obviously not the first he visited that night) He offers the bartender a deal: He will put on an entertaining show in return for his evening's libation.

The drunk then reaches into his pockets and pulls a rat out of his left pocket and a frog out of his right pocket, setting them on the bar.

To the amazement of the bartender and customers, the rat begins to tell
jokes to the frog. The bartender quickly agrees to the deal, and everybody
has a great time.

At the end of the evening, a man approaches the drunk. "Look, I'm a
theatrical agent, and I'd love to book your act!"

"I'm retired," answers the drunk.

"Well, then, I'll buy them from you. I'll give you a thousand dollars for
the rat and the frog!"

"Nope."

"Five thousand!"

"Not interested."

"Ok, ok," says the exasperated agent, pulling out a wad of cash. "I'll give
you ten thousand bucks just for the rat!"

"It's a deal," says the drunk, who takes the money and gives the agent the
rat.

After the agent leaves, the bartender remarks, "Look, it's none of my
business, but you got ripped off. You could have made a million dollars with
that act!"

"S'ok," says the drunk, finishing his drink.
"The frog is a ventriloquist."

***

2)
A lawyer buys a $60,000 Lexus. For weeks, all he talks about is his
$60,000 Lexus. One day, while driving to work, he's broadsided and his
car is totaled. The lawyer emerges from his car and begins wailing to the
offending driver, "How could you do this to my $60,000 Lexus? How could
you do this to my $60,000 Lexus?"

A policeman arrives on the scene and, while he's writing up the report,
the lawyer is still ranting about his $60,000 Lexus. Finally, the
policeman can't take any more and he turns to the lawyer and says, "You
lawyers are all alike, so selfish and materialistic. For example, look at
yourself. Your left arm has been torn off and all you care about is your car!"

For the first time, the lawyer looks down at his left arm and notices
that it's gone. He immediately gasps, "Oh, no! Where's my $3,000 Rolex?"
***

3)

Bill Gates and Hugh Grant meet at a Hollywood party. They are talking
and Bill says "I've seen pictures of Divine Brown lately, I sure would like
to get together with her".

Hugh replies "well, Bill, you know, ever since our accident her price has
skyrocketed, she's charging a small fortune now."

Bill says (with a chuckle) "Hugh, money's no object to me. What's her number?"

So, Hugh gives the number and Bill sets up a date.

They meet and after they finish, Bill lying there in ecstasy, mumbling "God....
now I know why you chose the name of Divine".

To which she replies "Thank you Bill,... and now I know why you chose the
name........... Microsoft".
***

4 THE FACTS OF LIFE:
=================

The average woman would rather have beauty than brains, because
the average man can see better than he can think.

Money can't buy happiness...But it sure makes misery easier to live with.

The two most common elements in the universe are hydrogen and stupidity.

If at first you don't succeed, skydiving is not for you

Deja Moo: The feeling that you've heard this bullshit before.

Psychiatrists say that 1 of 4 people are mentally ill. Check 3 friends. If
they're OK, you're it.

Nothing in the known universe travels faster than a bad check.

A truly wise man never plays leapfrog with a unicorn.

It has recently been discovered that research causes cancer in rats.

Always remember to pillage BEFORE you burn.

If you are given on open-book exam, you will forget your book.

COROLLARY: If you are given a take-home test, you will forget where
you live.

The trouble with doing something right the first time is that nobody
appreciates how difficult it was.

It may be that your sole purpose in life is simply to serve as a warning to others.

Homer's Law: You can't fall off the floor.

Paranoids are people, too; they have their own problems. It's easy to criticize, but if everybody hated you, you'd be paranoid, too.

A diplomat is someone who can tell you to go to hell and make you feel
happy to be on your way.

Clothes make the man. Naked people have little or no influence on society

Vital papers will demonstrate their vitality by moving from where you left them to where you can't find them.

Law of Probability Dispersal: Whatever it is that hits the fan will not be
evenly distributed.

*******

INFORMATION EXCHANGE

Grant Application Preparation Guide

April 17, 1997

by T. J. Smith, Ph.D.

Professor, Harvard School of Public Health
Chair, Safety and Occupational Health Study Section
Since some of you may not have had much experience with the NIH grant
review process, here are some suggestions to help you pass through successfully. The suggestions below are just my ideas, and I am sure that others may have other ideas and additional recommendations. If possible, seek a mentor among local senior researchers with experience writing R01 applications.

Reviewers: It is important to remember that the reviewers may not be expert in your specific areas. So prepare your application for a reader who is an experienced researcher with broad knowledge of the field, but who may not be aware of the subtleties and most recent ideas on your specific topic.
R01 Application:

Overall: An application's organization, logic, and clear presentation are strong indicators of the PI's research skills.

A strong grant will be well organized, logical, and easy to follow. There
should be no uncertainties about what is to be done or who will do it, or why some activity or experiment is being proposed, or how the data will be used to answer the research questions.

1. Abstract. This is probably the most important single part of the grant.
should be a clear, concise summary of the project's key points and methods. Reviewers will note when it is not. For example, some investigators present an overview their research program in the abstract, but the specific project is only a fraction of the program. Many experienced grant writers spend a large amount of time polishing the abstract to be sure it is just right.

2. Specific Aims. These are the central guiding points for the application.
They should lay out the specific major steps needed to accomplish the goals of the grant. Ideally you should be able to find the rationale and justification for each Aim in the Background and Preliminary Studies, and a discussion of the methods and activities needed to complete each Aim in the Methods. If possible, a parallel ordering of topics that is based on the ordering of the Aim should be used for the structure of each section. Aims: topic #1, topic #2, topic #3,... Background: topic #1, topic #2, topic #3,... Preliminary Studies topic #1, topic #2, topic #3,... , Methods: topic #1, topic #2, topic #3,... The type of structure makes it easy for the reviewer to see how the project is structured and easy to follow the logic. Some repetition is useful, but too much is boring; look for a balance. boring; look for a balance.

3. Background and Significance. This section should present the origins and context of the research questions and hypotheses. It should also identify how they will be investigated - the logic should be strong and clear. It should convince the reviewer that this is a rational approach to an "important" problem If a problem is not now recognized as "important" it is the PI's goal to convin the reviewer that the importance of the problem has been undervalued, or will be recognized in the future.

4. Preliminary Studies. An important factor in the success of a grant is the research group's experience with the methods and their preliminary findings that show that there is reason to believe that their hypotheses are likely to be true. While not required, preliminary data provides strong support. Preliminary data to demonstrate the validity of a new method may be critical to show its promise. If a method or approach has not been tried, or has not been used in a particular situation, the provision of preliminary data with a discussion of problems encountered and resolved, and the advantages will substantially strengthen and resolved, and the advantages will substantially strengthen the application, even if too few samples were analyzed to draw firm conclusions

5. Research and Methods.

a. Plan - How will the work in the specific aims be accomplished? What order, who will do it, how will samples be handled and processed, etc.? Be sure that your time table is realistic to accomplish all you propose to do.

b. Specific Methods - Again, the methods should be organized tob.
Specific Methods - Again, the methods should be organized to follow the
Specific Aims so it is clear what you will do to accomplish each. Reviewers will ask themselves: is sufficient information provided on the methods, so it is clear what will be done? The level of detail needed will vary. New or unique methods developed by the PI or associates should be well described. If a method has not been validated, a detailed plan should be provided. Well-established methods may only need a citation with some specifics. If there are limitations or problems with the methods that may affect the interpretation of the findings, these should be discussed specifically. (They will be noted by the grant reviewers: it will be better if you identify them and present why they won't be a problem).

c. Quality Control - How will the quality of the data be verified and maintained. This may not be a separate section.

d. Data Analysis - This section is critical (it may not be a separate section). should be organized to follow the Specific Aims. Indicate the specific data analyses that will answer the research questions or test the hypotheses. For example, if the PI postulates that exposures are different between situations A and B because of factor X, then there should be a suitable statistical or other methodology presented to make this comparison. This requires a power calculation where the PI demonstrates that sufficient data will be collected to detect the differences expected to be caused by factor X. It is not necessary to show the power for all possible research questions, just for the main ones.

Budget - The budget should be clearly derived from the research plan: the
number of study sites, the number of samples collected and analyzed, and/or subjects tested, etc. In the budget justification, each member of the research team, and their level of effort should be clearly needed based on the activities they will perform - do not assume the reviewer will know what is needed, nor who will do what. Likewise with travel, supplies, and subcontracts, make sure they are well justified, or someone may decide that they are not needed.

Human Subjects - Subject recruiting and informed consent are a critical part of many projects. A reasonable approach for recruiting the necessary number of subjects and obtaining their consent is critical to the success of the project. Therefore these should be carefully specified in the application, so there is no doubt that they can be accomplished. Less experienced investigators should obtain guidance from senior researchers to be sure that their plans are realist and likely to be successful. Apply for Human Subject's clearance before you submit the application because the review process will often provide helpful feedback on your project. This is very important and should not be treated as merely a bureaucratic hurdle.

Appendices - Reviewers will often use these as evidence of the investigator's abilities. Therefore make sure that they are carefully prepared - the quality be very revealing. A rough draft of a paper you may submit later, may hurt your chances more than it helps.

The reviewer's goal is to identify the strengths and weaknesses of each application. Obviously these attributes will have different magnitudes: some proposals will have major strengths from highly creative ideas and clever ways of testing them with some minor weaknesses; and some proposals will have major flaws in logic or will be unclear on critical points. Reviewers attempt to balance the strengths and weaknesses when they determine an overall score. It is important to avoid letting an accumulation of minor weaknesses in your application overshadow a creative and fundamentally sound approach to an important
problem - minor problems should be fixed before the first submission.

Good luck.

***
Recommended by Youcheng Liu
Hawaii Heptachlor Research &;Education Foundation
Accepts Proposals for its Research Program

In 1981-82, Heptachlor Epoxide contaminated a considerable part of
Hawaii's milk supply. This has led to concern that adverse health
effects might result from consumption of contaminated dairy products,
particularly among children. Studies to identify potential disease
problems, and to develop measures to prevent or ameliorate them are
sought and will be supported.

The Foundation is especially interested in two laboratory-based research
areas:

1) The study of the effects of prenatal exposure to Heptachlor
Epoxide and related compounds on the development and function of the
immune system, nervous system and the endocrine system;

2) Mechanistic studies on how Heptachlor Epoxide and related
compounds might influence signal transduction, gene expression and neuro
transmitters in ways that are relevant to the toxicology of these
compounds.

Projects up to two years duration will be considered for funding. For
some background information see: Smith, R. Jeffrey, Science, Vol. 217, 9
July 1982, p. 137, and Baker, Dean B., et al, Hawaii Medical Journal,
Vol. 50, No. 3, March 1991, p. 108. To apply: Submit a letter of intent
of less than 500 words, which includes an estimated budget, to the
Foundation. All letters of intent will be reviewed by the Foundation's
Scientific Advisory Council for relevance and quality. The Scientific
Advisory Council is chaired by Dr. David P. Rall. Only letters of intent
received by July 31, 1997 will be reviewed. Submitters will be notified
by October 15, 1997 on whether or not to submit full applications for
consideration. Copies of the Foundation's research policies are
available upon request to the Foundation office.

Send all letters of intent to: Hawaii Heptachlor Research &;Education
Foundation, attn. Rick Scudder, Executive Director, 1188 Bishop Street,
Suite 2308, Honolulu, HI 96813. phone (808) 531-2963, fax (808)
531-3050, email: [email protected].

Provided by Youcheng Liu
***

Fruits, Vegetables and Antioxidant

Ask most people in this country to name an antioxidant and you're
likely to hear "vitamin C" or "vitamin E". But fruits and vegetables contain
many other antioxidants and the relative importance of vitamins C and E as antioxidants may not like what people usually think. This is the recent
finding from our lab at USDA human nutrition research center on aging at
Tufts University in Boston.

Blueberries and strawberries were the fruits with the most antioxidant
activity, followed by plum, orange, red grape, kiwi fruit, pink, grapefruit,
white grape, banana, apple, tomato, pear, and honeydew melon.

Kale was the vegetable with the most antioxidant activity, followed
by spinach, Brussels sprouts, alfalfa sprouts, broccoli, beets, red bell
pepper, onion, corn, eggplant, cauliflower, potato, sweet potato, cabbage,
leaf lettuce, string bean, carrot, yellow squash, iceberg lettuce, celery,
and cucumber.

The difference of antioxidant activity between different fruits or
vegetables can be as great as 40 folds. The antioxidant activity was
vegetables can be as great as 40 folds. The antioxidant activity was
determined using a technique called ORAC assay, which was developed by the author in NIH and automated in the USDA lab.

Fortunately, we (Chinese) eat a lot of vegetables and probably do
not need to supplement pure antioxidants as many Americans are doing daily.

The related result was reported in professional journals, commented
in detail by USDA Agriculture Research magazine, and cited by several
research briefs and newsletters. For more info, please contact: Guohua Cao.
Tel: (617) 556 3141; e-mail: [email protected].
Stock Market versus Savings Account

Grew up in mainland China, we used to put our savings (if any) into the
People s Bank and earn some interests. Stock market investment in the western was regarded as an opportunistism, in another word, very risky. Now living in the western countries (author in the U.S.), we certainly want to make more money to secure our families and the retirement. Is a savings account or C.D.s still a good way to make money?

The answer is NO.

Buying stocks has been proven to be a better money marker than savings
accounts or C.D.s, it is also better than mutual fund investment. Historically, stock market investment gives an average of 20% plus annual return compared to 10% for mutual fund and only 5-7% for C.D.s. if with no or little knowledge about the stock market, it is worth spending a little time to learn how to invest in stocks.

How to get started? We cannot buy stocks from the stock market directly.
There are numerous brokers who are happy to do it for us, for whose service we pay commissions. There are three kinds of brokerages. The first is full service broker like Merril Lynch, Fidelity, Charles Schwab. They will recommend stocks to you and tell you when to sell for profit. The commissions are high. The second is discounted brokers who only provide you with stock information but not recommend stocks or watch the market for you, you have to decide by yourself when and what to buy. The third one which becomes very popular now is called on-line trading brokerage. They run mainly through the internet or networks like American Online, Microsoft Network etc. These brokers are similar to the discounted brokers but charge much less commissions. For example, For a trade of less than several thousand shares they usually charge only a flat fee of $10-25 while the discounted will charge a minimum of $35 for only 200 shares. The full service broker can charge over $100 for trading
the same shares of stocks.

As most of us have access to the internet, it is now very handy to look for
the stock market information. www.quote.yahoo.com is a good source to see the up-to-date market with 15 min-delayed stock quotes. If you have an account with brokerage firms, you will get real time quotes, usually for free, from the web sites. You can trade stocks by sitting at your computer with very low commissions

Anyway, based on the author s experience, if we can spend some time
learning stocks and put some money into the market, we can easily make more money than what we get from the bank. Sometimes the profit can be double or triple. What we need to recognize now is that this is a good way to invest. If spent time learning how to change oil of the car, we certainly have time for investment in the stock market.

By Fa-Chai
********************************************************** ***