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Every month the Ultra-Conservative Income Portfolio service identifies new conservative covered call trades on solid underlying stocks. Each initial trade has target duration of 60 to 150 days and target return of up to 10% or more. This service uses sold call options that are in-the-money to provide substantial downside protection and to generate cash returns. The objective of this service is to generate additional cash income that beats the current annualized Certificate of Deposit return rate by up to four times or more. To achieve this goal, a series of follow-on trades involving repeated cash generating sold calls will be executed to provide a stream of periodic cash flows in addition to any actual dividends paid out on the stock. Relative Risk (1-10 -> 1= Highest risk): 8 Capital Requirements: $10,000 to $100,000 Number of Trades Per Month: 1 to 2 (plus roll-out orders) Recent Holdings:  WWMT, AAPL, GILD Portfolio Performance: Since the positions expire anywhere from two to twenty-four months from the time we place them, they are based on current stock prices and dividend rates. Because of the varying expiration dates, changing dividend rates, and fluctuating stock prices, results may change so refer back to this page to keep tabs on portfolio performance. And... We have to say this because it's true... Past performance is not a guarantee of future performance. This is the stock market, anything can happen.

Quarter Capital Required Projected Cash Return Through Expiration Projected % Return Through Expiration 4th Quarter '08* $14,868 $1,827 12.3% 1st Quarter '09* $10,452 $548 5.2% 2nd Quarter '09* $1,814 $186 10.3% Return on Max. Capital $27,134 $2,561 9.4% Return on Avg. Capital $15,089 $2,561 17.0% * portfolio still open - returns estimated and subject to change

Every month the ETF Covered Call Plus Portfolio service points out a series of covered call trades along with a companion series of hedged trades using the same underlying ETF (Exchange Traded Fund) requiring much less capital. The goal is for each trade to generate at least a 5% return over 60 to 180 days (for comparison purposes 15% to 30% annualized) even if the underlying ETF drops in price. Only underlying ETFs with reasonably strong technicals will be used. At or near option expiration either the ETF will be called away, the call option we own will be executed, or the sold option will be "rolled" to a month farther out in time to capture more cash for the portfolio. For the covered call trades usually there is no closing transaction required while the hedged trades may require follow-on trades to maximize returns. Using sophisticated computer models we hunt down the trades with the highest return and the lowest risk. This is a great way see the types of trades that can rely on solid diversified ETFs to produce double-digit annual returns while reducing overall risk of holding stock and conserving your investment funds. The Covered Call table below assumes a minimum of 100 shares and one option contract for each trade. Since the actual number of shares traded will probably vary, the covered call table only shows an average return rate for the portfolio assuming equal numbers of shares for each transaction. Relative Risk (1-10 -> 1= Highest risk): 6 Capital Requirements: $5,000 to $50,000 Number of Trades Per Month: 4 to 8 Recent Holdings:  SMH, USO, DBA, XLB Portfolio Performance: Because of the varying expiration dates for equity options, follow on option revenues or costs, stock price fluctuations, and other market related items these results may change. So refer back to this page to keep tabs on portfolio performance. Even thought these portfolios are divided up into months the positions are actually in place for many months so do not view the returns shown as returns over a one month period. In some cases these portfolio positions may remain in place for up to or over one year. And... We have to say this because it's true... Past performance is not a guarantee of future performance. This is the stock market, anything can happen.

ETF Covered Call Trades Amount Invested Target Cash Return Target Return October '08* * $5,398 * $602 * 11.2% November '08 $3,702 $398 10.8% December '08* * $8,176 * $1,124 * 13.7% January '09* * $8,040 * $1,185 * 14.7% February '09* * $9,284 * $516 * 5.6% March '09* * $2,908 * $192 * 6.6% April '09* * $8,525 * $575 * 6.7% May '09* * $4,113 * $287 6.9% June '09* * $4,778 * $322 * 6.7% Return on Max. at Risk* * $43,400 * $5,421 * 12.5% Hedged Trades Amount Invested Target Cash Return Target Return October '08 $23,000 $1,970 8.6% November '08 $16,000 $2,000 12.5% December '08 $40,050 $(12,450) (38.1)% January '09 $40,050 $4,950 12.4% February '09 $51,750 $7,850 6.3% March '09 * * $10,000 * $1,000 * 10.0% April '09 $24,800 $2,350 9.5% May '09* * $18,100 * $1,900 * 10.5% June '09* * $18,600 * $1,900 * 10.2% Return on Max. at Risk* * $140,000 * $18,470 * 13.2% * portfolio still open - returns include current open positions and are subject to change.

The MarketSmart Perfect Trade Portfolio service points out a series of trades that have a high probability of making profits. Losses on any investment are always a real possibility but these trades are designed to generate significant cash income while preserving capital and exploiting expected moves in the market. The portfolio will show both entry and exit trades along with analysts comments. Entry and exit times for trade could vary from minutes to many months. The goal is to use hedged trades to partially protect against a potential adverse move in the stock. The plan is to capture our final profit (if any - there is always a risk of losing on these trades) we will either exit the trade before option expiration or go into expiration for an automatic clear out of the positions. Using sophisticated computer models we hunt down the trades with the highest return and the lowest risk. This is a great way see the types of investments that can produce solid returns reduce the overall risk of holding stocks while conserving your investment funds. Relative Risk (1-10 -> 1= Highest risk): 6 Capital Requirements: $5,000 to $30,000 Number of Trades Per Month: 2 to 4. Recent Holdings:  IBM, CVX, GS, ADBE

Month Cash Return % Return February '08 $550 5.8% March '08 $1,300 14.4% April '08 $1,000 11.1% May '08 $(1,250) (10.8%) June '08 $(1,500) (16.7%) July '08 $1,150 8.3% August '08 $1,300 9.5% September '08 $(8,300) (45.4)% October '08 $(11,900) (91.5)% November '08 $(6,900) (52.1)% December '08 $1,450 13.1% January '09 $1,200 10.6% February '09 $1,300 11.6% March '09 $(700) (6.5)% April '09 $1,400 13.2% May '09 * $2,550 14.6% June '09 * $1,550 19.5% Total $(15,800) (56.3)% 2008 Total $(23,100) (72.5)% 2009 Total $7,300 26.0% * Portfolio still open - returns include current open positions and are subject to change.

The MarketSmart 10% Hedged Portfolio service points out a series of trades every month with the goal of generating a 10% return if the stock rises, stays flat, or even drops by up to 10%. Usually three to five very conservative debit spread trades. Since these trades have an initial debit (amount you pay), that debit is the most you can lose on the trade. This is a great way to see the types of trades that can act as substitutes for holding stock. The idea is to take a hedged position in the stock without putting all the money out. The strategy at the core of this portfolio should help you preserve capital, reduce risk, and make index beating returns. Relative Risk (1-10 -> 1= Highest risk): 6 Capital Requirements: $5,000 to $35,000 Number of Trades Per Month: 3 to 5 Recent Holdings: AAPL, ATI, KR and TGT

Month Cash Return % Return April '08 $2,000 12.9% May ‘08 $1,750 11.1% June ‘08 ($1,550) -17.1% July '08 $1,500 13.6% August ‘08 $3,050 -22.7% September ‘08 ($13,400) -84.3% October '08 ($8,400) -53.3% November '08 $2,200 12.4% December '08 $2,000 11.1% January '09 $1,250 8.0% February ‘09 $150 1.4% March ‘09 $2,400 13.6% April ‘09 $2,500 14.3% May '09* $2,250* 14.8%* June '09* $2,150* 14.0%* Total (6,250)* -17.5%* 2008 Return on Max Capital $(16,950) -47.3% 2009 Return on Max Capital $10,700* 30.5% * Portfolio still open - returns include current open positions and are subject to change.

Conservative Covered Call Plus Portfolio - Click Here for more Info or to Subscribe

Every month the Conservative Covered Call Plus Portfolio service points out a series of covered call trades along with a companion series of hedged trades using the same underlying stocks requiring much less capital. The goal is for each trade to generate at least a 5% return over 60 to 180 days even if the underlying stock drops in price. Only underlying stocks with reasonably strong technicals will be used. At or near option expiration either the stock will be called away, the call option we own will be executed, or the sold option will be "rolled" to a month farther out in time to capture more cash for the portfolio. For the covered call trades usually there is no closing transaction required while the hedged trades may require follow-on trades to maximize returns. Using sophisticated computer models we hunt down the trades with the highest return and the lowest risk. This is a great way see the types of trades that can rely on solid stocks to produce double-digit annual returns while reducing overall risk of holding the stock and conserving your investment funds. Relative Risk (1-10 -> 1= Highest risk): 7 Capital Requirements: $10,000 to $100,000 Number of Trades Per Month: 4 to 8 Recent Holdings: INTC, VZ, MCD, and CVS

Covered Call Trades   Amount Invested Target Cash Return Target Return July '05 $5,000 $250 5.0% August '05 $8,505 $304 3.6% September '05 $5,528 $305 5.5%  October '05 $3,057 $209 6.8% November '05 $8,215 $551 6.7% December '05 $2,751 $205 7.5% January '06 $6,398 $402 6.3% February '06 $7,391 $543 7.3% March '06 $7,606 $513 6.7% April '06 $7,625 $390 5.2% May '06 $6,141 $417 6.8% June '06 $11,659 $789 6.8% July '06 $6,944 $423 6.1% August '06 $5,991 $409 6.8% September '06 $7,385 $500 6.8% October '06 $3,737 ($242) -6.5% November '06 $5,461 $327 6.0% December '06 $7,917 $460 5.8% January '07 $7,382 $443 6.0% February '07 $7,418 ($3,905) -52.6% March '07* $6,204 $454 7.3% April '07 $11,977 $727 6.1% May '07 $8,295 $525 6.3% June '07 $8,908 $833 9.4% July '07* $7,346 $578 7.9% August '07 $8,374 $600 7.2% September '07 $7,295 $544 7.5% October '07 $5,245 $308 5.9% November '07 $5,176 $335 6.5% December '07* $6,625 $480 7.2% January '08* $7,569 $511 6.8% February '08* $12,157 $822 6.8% March '08 $4,453 $311 7.0% April '08* $8,920 $526 5.9% May '08* $9,995 $442 4.4% June '08* $7,664 $593 7.7% July '08* $7,068 $495 7.0% August '08* $5,687 $403 7.1% September '08* $4,460 $420 9.4% October '08* $5969 $531 8.9% November '08* $7,325 $477 6.5% December '08* $8,172 $724 8.9% January '09* $5,903 $632 10.7% February '09* $5,206 $464 8.9% March '09 $7,523 $477 6.3% April '09 $5,019 $381 7.6% Return on Max Invested* $76,843 $16,886 22.0% Hedged Trades Amount Invested Target Cash Return Target Return July '05 $21,300 $1,600 7.5% August '05 $23,400 ($6,200) -26.5% September '05 $25,900 $1,900 7.3% October '05 $18,400 $1,950 10.6% November '05 $22,900 $2,800 12.2% December '05 $16,650 $1,300 7.8% January '06 $26,200 $2,550 9.7% February '06 $25,750 $1,950 7.6% March '06 $26,200 $2,000 7.6% April '06 $25,850 $3,600 13.9% May '06 $19,350 $450 2.3% June '06 $27,900 $3,100 11.1% July '06 $30,500 $1,950 6.4% August '06 $26,250 $1,650 6.3% September '06 $26,300 $1,600 6.1% October '06 $26,700 ($3,600) -13.5% November '06 $25,150 $2,550 10.1% December '06 $28,200 $2,650 9.4% January '07 $25,950 $2,200 8.5% February '07 $23,350 ($7,550) -32.3% March '07 $26,000 $150 0.6% April '07 $28,400 $2,250 7.9% May '07 $23,700 $2,150 9.1% June '07 $22,150 ($6,600) -29.8% July '07 $26,150 $2,200 8.4% August '07 $25,690 $3,010 11.7% September '07 $28,450 $2,700 9.5% October '07 $25,900 $1,700 6.6% November '07 $25,700 $2,450 9.5% December '07 $26,050 ($14,450) -55.5% January '08 $23,100 ($16,600) -71.9% February '08 $25,650 $2,350 9.2% March '08 $26,200 $2,050 7.8% April '08 $22,200 $1,900 8.6% May '08 $25,600 $2,400 9.4% June '08 $22,400 $250 1.1% July '08* $23,500 $2,500 10.6% August '08* $20,700 ($200) -1.0% September '08* $23,000 $2,800 12.2% October '08* $18,650 $1,350 7.2% November '08* $22,850 $4,900 21.4% December '08* $23,450 $2,100 9.0% January '09* $21,100 $3,000 14.2% February '09* $25,650 $2,250 9.9% March '09 $23,100 $1,900 8.2% April '09 $20,450 $2,050 10.0% Return on Max Invested* $159,050 $25,460 16.0% * portfolio still open - returns include current open positions and are subject to change.

3-Way Managed Risk Portfolio - Click Here for more Info or to Subscribe

The 3-Way Managed Risk Portfolio points out a series of trades every month with the goal of generating a 5% return over a 30 to 90 day period. These investments are set up to manage capital risk, stock price risk, and time risk. We typically use three to five very conservative debit spread trades. Since these trades have an initial debit (amount you pay), that debit is the most you can lose on the trade. This is a great way to see the types of trades that can act as substitutes for holding stock. The idea is to take a hedged position in the stock without putting all the money out. The strategy at the core of this portfolio should help you preserve capital, reduce risk, and make index beating returns. Relative Risk (1-10 -> 1= Highest risk): 7 Monthly Capital Requirements: $6,000 to $35,000 Number of Trades Per Month: 4 to 12 Recent Holdings: ADBE, ADM, and ADP Monthly Subscription Cost: $99.95

Portfolio Month Projected Cash Return % Return for Month June '03 $7,500 27.80%  July '03  $6,350 17.00%  August '03 $9,350 21.70%  September '03 $15,050 27.50%  October '03 $5,900 18.70% November '03 ($2,200) -6.20% December '03 $3,800 9.80% January '04 $2,250 7.20% February '04 $4,800 13.40% March '04 $5,600 15.70% April '04 $6,050 14.70% May '04 $4,250 11.70% June '04 $6,150 19.30% July '04 ($500) (1.50%) August '04 ($5,650) (9.70%) September '04 ($4,850) (8.30%) October '04 ($2,900) (7.70%) November '04 $3,850 9.40% December '04 ($14,350) (30.0%) January '05 $3,400 6.60% February '05 $1,600 6.20% March '05 $2,100 5.40% April '05 $8,300 18.80% May '05 ($1,750) (3.40%) June '05 $400 0.8% July '05 $3,600 9.20% August '05 $150 0.4% September '05 $2,650 9.4% October '05 $3,600 8.0% November '05 $5,850 12.90% December '05 $1,150 3.1% January '06 $4,050 7.9% February '06 $4,650 8.9% March '06 ($250) (0.7%) April ‘06 $2,250 4.0% May ‘06 ($4,700) (14.0%) June ‘06 ($2,500) (4.90%) July ‘06 $5,500 11.3% August ‘06 $(8,300) -20.6% September ‘06 $2,600 6.8% October ‘06 $6,000 12.9% November ‘06 $5,850 13.6% December ‘06 $(9,650) -38.5% January ‘07 $750 1.9% February ‘07 $(10,450) -29.0% March ‘07 $5,000 10.7% April ‘07 $(4,650) -14.3% May ‘07 $2,500 8.8% June ‘07 $3,400 7.5% July ‘07 $(600) -1.5% August ‘07 $4,000 10.9% September ‘07 $3,000 5.7% October ‘07 ($32,500) -63.00% November ‘07 $(5,150) -11.5%* December ‘07 $5,200 11.8%* January ‘08 ($18,150) -46.50%* February ‘08 $6,200 15.5% March ‘08 $3,250 11.5% April ‘08 $1,750 6.1% May ‘08 ($6,450) -22.00% June ‘08 ($7,600) -38.50% July '08 ($8,150) -28.00% August '08 $2,750 13.8% September '08 $5,000 15.1%* October '08 $3,250 16.9%* November '08 $750 17.6%* December '08 $2,100 6.3%* January '08 $1,750 5.26%* Total To Date (cumulative) $44,150 1.69% 2003 Total (cumulative) $45,750 17.68% 2004 Total (cumulative) $4,700 1.0% 2005 Total (cumulative) $31,050 6.2% 2006 Total (cumulative) $5,500 1.1% 2007 Total (cumulative) ($29,500) -5.90% 2008 Total (cumulative) ($15,300) -4.7%

Dividends Plus Portfolio - Click Here for more Info or to Subscribe

A series of trades every month that should generate around a 10% to 20% annual return including dividends. The goal is to use hedged trades on dividend paying stocks that protect against a potential drop in the stock of up to 25%. There will usually be from two to five trades a month. Only underlying stocks with reasonably strong technicals will be used and the plan is that at option expiration, either the stock will be called away or the option will be "rolled" farther out in time to capture more cash for the portfolio and further hedge the position. Since these are covered call trades there is usually no closing transaction required. Using sophisticated computer models, we hunt down the trades with the highest return and the lowest risk. Relative Risk (1-10 -> 1= Highest risk): 8 Capital Requirements: $5,000 to $100,000 Number of Trades Per Month: 2 to 5 Recent Holdings: STX, AMAT, TIF, and TAP

Quarter Projected Cash Return Through Expiration Projected % Return Through Expiration Downside Protection 1Q03 $ 2,817 14.2% 26% 2Q03 $ 3,428 11.2% 15% 3Q03 $ 2,748 15.6% 20% 4Q03 $ 4,594 11.4% 14% 1Q04 $ 3,008 10.8% 13% 2Q04 $ 3,209 9.2% 12% 3Q04 $ 2,758 16.1% 22% 4Q04 $ 2,986 14.3% 23% 1Q05 $ 2,011 4.2% 12% 2Q05 $ 2,907 7.2% 15% 3Q05 $ 6,591 12.9% 14% 4Q05 $ 5,707 14.6% 19% 1Q06 $ 3,818 16.4% 19% 2Q06 $3,087 5.8% 20% 3Q06 $ 3,703 8.2% 18% 4Q06 $ 3,075 6.4% 18% 1Q07 $ (4,706) (16.1)% 17% 2Q07 $ (11,252) (26.9)% 11% 3Q07 $ (6,303) (18.4)% 22% 4Q07 $ (10,484) (29.1)% 19% 1Q08 $ (19,562) (43.4)% 23% 2Q08 $ (9,786) (29.9)% 22% 3Q08* $ 6,626 17.2% 21% 4Q08* $ 3,736 16.2% 17% 1Q09* $ 3,804 13.1% 16% 2Q09* $ 1,135 14.4% 20% Total $7,837 2.80% 17% * Portfolio still open - returns include current open positions and are subject to change.

HedegPro Portfolio - Click Here for more Info or to Subscribe

A series of option credit spread trades that should generate several thousand dollars in cash. Although Investors Observer updates and maintains this page, the trades are identified, researched, and tracked by a professional hedge fund manager who remains anonymous so he doesn't upset the investors who pay big bucks for him to manage their money. For the details on how this portfolio came about click here. These are credit spreads so normally there is no closing transaction. You get your money up front on the day of the initial trade. Relative Risk (1-10 -> 1= Highest risk): 3 Capital Requirements: $5,000 to $40,000 Number of Trades Per Quarter: 4 to 12 Recent Holdings: MMM, FCX, APA and JPM Monthly Subscription Cost: $99.95

Quarter Cash Return % Return for Quarter 1st Quarter '03 $ 4,050 20.03% 2nd Quarter '03 $ 2,300 7.10% 3rd Quarter '03  $ 3,400  8.10% 4th Quarter '03 $ 950 4.80% 1st Quarter '04  $ 0  0% 2nd Quarter '04 ($6,050) (20.17%) 3rd Quarter '04 $2,550 22.67% 4th Quarter '04 $3,150 17.0% 1st Quarter '05 $7,150 25.40% 2nd Quarter '05 $9,750 36.3% 3rd Quarter '05 $3,650 20.9% 4th Quarter '05 $6,050