So it's necessary to recheck patients to see if they are still allergic.

The most important diagnostic tool is the patient's history. Is there an association between eating the food and having symptoms? Hidden food allergy is uncommon. Most food allergies occur with a direct relationship ¨C you eat the food, then you have a reaction. It is usually a pretty obvious reaction.

Don't just assume you have a food allergy. If you suspect one, get it confirmed. You have to make sure you really are allergic. I have seen people with nutritional problems due to avoiding foods not really allergic to.

How does it make sense to say that you're protecting capital of $10,000 by giving $500 to a salesman who in five years promises you $9,500? You don't get your money back; you get what is invested back.

Stable-value funds can be a good, safe place to park cash where you will get something better than a money market and less than an intermediate bond fund.

In the highly tradable sectors you have seen a lot of convergence in how stocks perform by sector. The classic example is Nokia, Ericsson and Motorola. They all suffer and boom together.