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While market-timing for most investors is usually a losing proposition, there are exceptions. Occasionally, it is so clear that the market is over or underpriced that you'll have a golden opportunity.

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4) Look at the cash balance. Often overlooked, the cash balance can sometimesindicate a screaming bargain. If a stock is a bargain at $10 a share, it may be an extraordinary bargain if $4 of that $10 represents a cash-per-share balance. Of course, the company cannot always be depended upon to use that cash wisely, but it's better to have too much cash than no cash and tons of debt.

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Her father, John Bandimere Jr., is president of Bandimere Speedway, and her siblings, in-laws and great-grandchildren of the founder also are involved in the operations.

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After all, I'm married now to a wonderful man who has never made me feel too skinny, too geeky, too ANYTHING. Having this unconditional love and acceptance makes unkind comments easier to endure. I've learned to ignore mean or ignorant folk.