1 billion users of windows and a 93% market share WW. Over the next three years, for security reasons, 80% of Windows users will upgrade to Vista. At an average price of $130/upgrade, that's a staggering $105 BILLION!

Subprime lenders are getting hammered now, but consumer credit card debt (the real driver for subprime borrowers) is growing very rapidly. Buy lend using a covered call, e.g. buy lend at $25.04 now and sell the Sept. $25 Calls for $4.40, and you will own a stock which will earn about $3.50 next year for a total cost of only $20.60. The time to buy is now because the stock price is down AND the recent volatility has driven the option premium for the calls to an extreme level. I should also add that going forward, the yeilds from subprime loans will increase because all of the subprime lenders are initiating tighter lending standards.

The next four years will be all about technology. Corporations have a lot of money, and unemployment is low so labor is tight. In all of the major economies of the world, corporations will upgrade their technology at an unprecidented rate in an attempt to improve the productivity of their workforce before they will hire new people. In addition, the best way to acquire a Vista operating system is to buy a new computer. I estimate taht over thPEe next three years, more than 800 million computers will be sold. Just buy the entire sector via the XLK or QQQQ ETF and then sit on it.

.... well, actually any of the major airline companies. All of the majors now have very bright futures because they have just undergone a huge industry-wide overall. Labor costs have been chopped, debt has been restructured, pricing power has been reborn as a result of diminished capacity, and fuel costs are stabilizing.

China's need for more and more electric power will continue for at least the next 20 years. HNP is a major Chinese power company which has solid current earings, pays a 3.5% dividend and which has virtually unlimited growth potential. The stock has recently pulled back from a high of $40.45 on Jan. 5 to a current price of $35.60. This is a good entry point. The stock usually goes x-dividend for the entire year in April or May. Consider using a covered call to take lock in a near certain short term gain. In May, if your stock is called away, the covered call will provide a short 10% ROI. If it not called away, the dividend will provide another $1.25 in income.