Afraid that you you will outlive your life savings?Too afraid to invest in the stock market because you do not how to invest in it safely?Don't understand how your investment adviser has lost so much money in your portfolio?Ian MacDonald explains, in easy to understand language, the dangers of entrusting your money to investment advisers. He shows you why self-investing, is the safest way to invest.Step-by-step he shows you how you can realize a 6% in income from your portfolio annually, while growing the value of that portfolio for the rest of your life. He starts with the basics: How to open a bank account.How to open an online stock trading account.How to find the best 20 dividend paying stocks for your portfolio.How to quickly and easily score these stocks to identify the best growth and dividend stocks.How to either use the FREE PC scoring software, supplied with the book, or the scoring tables in the book. to verify these are the stocks you should buy.How to buy the verified stocks. Finally you are shown a simple easy way to continuously monitor your stocks.This is not a get rich quick scheme. It is a logical, easy to understand, system that was developed after the Ian MacDonald lost half his life savings that he had entrusted to an investment adviser. Facing a bleak retirement, he took back his portfolio, opened a self-directed stock trading account and designed a stock scoring system based on the same principles he had used to build a successful commercial risk scoring system for major banks, insurance companies and trade suppliers. They needed a reliable, easy to understand system for quickly and easily evaluating their risk with millions of businesses. Since the invention of his stock scoring system in 2001, Ian's portfolio has grown by 300% while generated a reliable ever growing retirement income, greater than what he earned as a senior vice president in a large commercial risk information corporation. Over several decades of self-directed investing you could save hundreds of thousands of dollars in investment adviser fees. You will know exactly where your money is invested and why it is invested there. No longer will you be putting your trust in investment advisers whose priorities are their own and their employer's, not your interests.Your self-directed portfolio will generate a steady income, no matter how much the stock markets go up and down. This book will greatly open up your eyes to managing and protecting your money..