Advisors are looking themselves in the mirror these days, and they don't always like what they see. A year like 2008 was enough to shake the confidence of anyone who helps investors manage their money. For advisers and their clients, the world has been turned upside-down, disappointed and even betrayed by a system that was thought to being adequately regulated.

Advisers are to blame for the recession and financial crisis, and are responsible for investment portfolios that, combined, lost trillions of dollars. In 2008 tried-and-true investing maxims suddenly stopped working. Tools such as diversification that were used to manage risk failed as the value of almost every asset class, from real estate and stocks to bonds and commodities, plummeted.

There is only one way to make investments and not loose. Invest in those that win. "How is that possible?" Real cash. Not credit. Don't buy it unless you have the cash to pay it off. No payments. Lower overheads. Sometimes our wants out weigh our needs. In good money times, we spend without thinking of what may be ahead. Stop spending. Need a great investment? click here