You are needlessly hurting yourself if you buy annuities, B- or C-share funds, gold, hedge funds, IPOs, managed stock funds, or options. You set yourself up for further harm when you read charts, chase winners, try to time the markets, or allocate assets based on your age. These and many other heavily promoted products and tactics are exposed. Discover if you have harmful products or habits. Learn how to shed and/or avoid them. Invest for maximum expected gain at least cost. Know the people and firms you can trust. Never get ripped off by Wall Street again.