If you go out for a holiday be especially careful of what you eat and where you eat it. Food has to be properly prepared and cook in order to avoid cross-contamination and food poisoning, expire dates needs to be checked carefully. Don't drink water from tap or any other source at least you know it is totally safe to drink it.

Everywhere you are, specially if you go on holidays or visit a new place, examine if there is anything that could represent a danger for you or your family for example children should not take a bath unattended, ponds, even shallow ones, are extremely dangerous for children. Precautions need to be maximized when having children around.

5. Budget: You know that you will have to pay those medical bills sooner or later. So don't wait until a huge bill arrives. Start to look at other areas of your life where you could make savings and set aside a little each month for medical bills. For example, you might be able to reduce your costs by changing your diet or cutting down on utility bills.

6. Prevention is better than cure: There are many ways in which you can become a healthier person and avoid need for costly medical treatment. You may wish to consult a medical expert before deciding to take some kinds of exercise but even simply sleeping and eating at regular times, drinking water and walking can make a real difference.

Many people also try jogging, swimming, meditation, yoga and thousands of other ways to maintain a healthy body, mind and soul.

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So, what can you do to prevent being taken advantage of? For one thing, do what your mutual fund company does — not what they tell you to do. Adopt a strategy for following trends, such as I do, and use mutual fund manger’s superior stock picking ability to your advantage by buying and holding only as long as fund is performing well.

Remember, fund manager has one big disadvantage over you: He always “has to” be invested so that public can purchase shares in his fund. You don’t!

If market conditions dictate that you are better off in safety of a money market account because we are in a severe downtrend, then you can take your money and run for cover. He can’t. He is constantly trying to adjust his portfolio to ever-changing economic conditions so that his potential losses are minimized. At same time you are being told that his fund is investment for all seasons. Don’t fall for it!

You as an individual investor are really in driver’s seat. Unfortunately, you have probably been conditioned to think that Buy & Hope is a good investment strategy, when in fact it is a losing proposition.

Bottom line is, use a well performing mutual fund during strong up trends and get over to sidelines during trend reversals. (That's exactly what I did for my clients in October, 2001, and we retained lion's share of their profits while Buy & Holders kept insisting emperor was wearing new clothes.) Pretty soon you will feel that you are in charge of your financial destiny and any chosen mutual fund is merely a tool to bring you closer to your goals of maximizing your gain and minimizing your losses.