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Sunny Central Florida may not go with your traditional image of a white Christmas, but the theme parks of Orlando put on holiday shows that are filled with festive fun. If you are in the Orlando area this Christmas (or any Christmas) here are the kinds of events that you can experience:

SeaWorld Orlando has announced that they will feature a ride based on Robert Zemeckis' "The Polar Express."

Warner Bros. Pictures and Iwerks Entertainment are reprogramming the theme park's Wild Arctic simulator ride, and transforming it into a simulated train ride to "Santa Town" for the holiday season. When the ride ends, people will step out onto a recreation of the North Pole. SeaWorld's exhibit of polar bears, beluga whales, walruses and other Arctic animals will also be made up to fit the winter wonderland theme. The new Polar Express ride will debut on Friday and will be in place through January 1st 2008.

The cost and contact information for Seaworld are as follows: Cost: $67.95; $57.95 children; Sea World Drive, Orlando; Telephone: 800-327-2424

Walt Disney World in Orlando offers Christmas and winter holiday themed events at each of its major attraction centers. Disney's Magic Kingdom Very Merry Christmas Party begins will be held through December 21 from 7 pm to midnight. Also, when regular park hours are over, the lights come alive. The tree lighting ceremony and the almost crystallized castle are well worth the price of admission; and, for those who dream of a white Christmas, enjoy the snowfall on Main Street.

Here are the costs and contact information for Disney World: Cost: $51.07; $43.62 ages 3-9; Walt Disney World, Lake Buena Vista; 407-934-7639

Not to be outdone by Disney or Seaworld, Universal Studios in Orlando offering its own version of Macy's Holiday Parade, including the "actual, authentic" Santa from New York's Thanksgiving Day Parade. Universal also offers entertainment ranging from Barney's Christmas Show to the Blues Brothers Christmas Show.

In addition, Universal is also unveiling a new stage show at Islands of Adventure, called "Grinchmas," to commemorate the 50th anniversary of Dr. Seuss' Christmas story. "Back by popular demand," Grinchmas will feature seven songs on a new stage.

The celebration continues with decorations and special events at Universal CityWalk as well as all three world-class, on-site hotels - Loews Portofino Bay Hotel, Hard Rock Hotel and Loews Royal Pacific Resort.

Here are the latest costs and information for Universal: one day/one park ticket: $71; $60 children; Universal Blvd. Orlando; 407-224-4243 or visit their holiday website: http://www.universalorlando.com/holidays.

The nearby city of Silver Springs offers a Festival of Lights, from dusk to 8:30 p.m. from December 14-30. This is an event that you should not miss. It features more than one million twinkling lights and is complete with carolers, stage shows , a boat parade and holiday concerts as well. Here is the contact information and costs for this event:

$33.99; $30.99 seniors; $24.99 ages 3-10; 5656 E. Silver Springs Blvd.; Silver Springs; 352-236-2121

Busch Gardens in Tampa also offers annual Christmas events. This year it feature a breathtaking spectacle of music, dance and holiday cheer as well as other holiday experiences scattered throughout the park daily. The costs and contact information for Busch Gardens are as follows: $64.95; $54.95 children; 3000 E. Busch Blvd., Tampa; 888-800-5447

There it is! Orlando and vicinity is a great place for you and your family to enjoy your winter vacation.

Mark Whichard is a frequent writer on Orlando tourism. He and his wife Susan are the proprietors of Orlando's Finest Vacations Homes. Visit his website for more information on Orlando Vacation Homes. http://www.orlandosfinest.com

Wall Street Snake Oil

I'm sure that movie buffs are familiar with the snake oil salesman character which appeared in many Western films. He was a “doctor” with dubious credentials that traveled by covered wagon from town to town. The fast-talking salesman would sell “medicine”, such as snake oil, using lots of marketing hype and bogus “evidence”.

In order to enhance sales, the snake oil salesman would also always have an accomplice in the crowd (a shill) who would attest to the marvelous beneficial effects of the snake oil. The snake oil salesman would, of course, attempt to leave town before the swindle was discovered.

This practice became known as grifting and its practitioners grifters. Fast forward more than a hundred years and we still have snake oil salesmen who try to sell the public something of no real value. Such characters abound on Wall Street and, like their brethren of the Old West, they usually attempt to “leave town” before the swindle is discovered with millions of dollars from bonuses, etc.. 

A recent example was that terrific grifter, Bernie Madoff. He sold lots of bottles of snake oil promising investors smooth, steady returns year after year. He sold these bottles with the help of his shills – the feeder funds – who promised their investors that to keep their portfolios healthy they needed a dose of Bernie's “medicine”.

For another example of grifting, just look at all of the complex products that Wall Street sold around the world as “safe” investments without anyone being concerned about the risks involved with many of the securities contained within the products.

That scenario reminds me of a Three Stooges short where Moe, Larry, Curly were trying to sell bottles of medicine. Curly and Larry asked Moe, “What is this stuff used for?” Moe replies, “You want to know what this stuff is for?” Curly and Larry say yes. As Moe slaps them, he says “It's for SALE!” That sure sounds like a Wall Street sales meeting to me.

Wall Street Snake Oil Salesmen

People have to realize that Wall Street firms rarely have the best interests of their clients at heart. If anyone has some spare time, they may want to peruse a new book by John Kay of the Financial Times called The Long and the Short of It. Mr. Kay thinks that the financial world is greedy, cynical and self-interested. Gee, I wonder how long Mr. Kay has known John Thain?

Mr. Kay goes on to say in his book that individual investors should avoid most “professionals” and manage their own money. He has several good reasons for this. Mr. Kay points out that professional money managers need to make money off of your investments, whether you make money from the investments or not. Just think of all the fees paid out by investors to “professional” money managers in 2008, only to have these “professionals” lose a large chunk of their money for them.

Another reason that Mr. Kay thinks that individual investors can do a better job of managing their own money rather than “professional” money managers is that the individual can focus on long-term returns and absolute returns, not “relative” returns. Here's a direct quote from Mr. Kay's book -  “The major risk a financial advisor runs is not the risk that his clients do badly, but the risk that his clients do worse than other people”, meaning other advisors' clients.

So if a person goes to their financial advisor and says “hey, I lost 30% last year!” their advisor will say, “Yes, but you outperformed the averages!” The emphasis of “professional” money managers is on relative performance, not on absolute performance.

As Mr. Kay also points out, Wall Street “professionals” think only in the short-term. Their primary goal is to beat the “benchmark” on a quarterly basis. If the “benchmark” is negative 30 per cent, Wall Street money managers are very pleased to have clients' portfolios return a negative 20 per cent. That would mean that they are a “star” in the Wall Street universe.

Unfortunately, this type of Wall Street “outperformance” can be very damaging to a client's long-term portfolio, such as a retirement fund. But such concerns really don't matter to Wall Street “professionals”. Where your portfolio stands in 5 or 10 years doesn't cross their radar screen.

I want to again emphasize another point about most Wall Street professionals who appear quite often on CNBC air. Most of these Wall Street people do not think for themselves, or think outside the box. Most of the guests on CNBC air simply run within the supposed safety of the “herd”.

Professor Richard Sylla, financial historian at New York University's Stern School of Business, says that Wall Street analysts and money managers have little incentive to produce anything that deviates significantly outside of the consensus.

Professor Sylla says, “They reinforce each other. That's the only way they keep themselves off the hook.” In other words, Wall Street money managers have their views skewed by one thing – self-preservation. If the money managers stay inside the safety of the “herd”, then their cushy jobs will be safe. Whether their clients make any money is well down on their list of concerns.

I did laugh when I saw one humorous line from Mr. Kay's book which was in agreement with my contrarian instincts. Mr. Kay said, “The best way to use the expertise of the financial services industry is to do the opposite of what they recommend”.

The Latest Bottle of Snake Oil

This brings me to the latest bottle of snake oil that the “doctors” on Wall Street ,with dubious credentials, are selling – deflation. The deflation trade has become an extremely crowded trade. This trade will probably become even more crowded over the next few months as government figures will come out showing deflation.

This will be the bogus “evidence” that the Wall Street grifters will be pointing toward. The shills on CNBC will be telling everyone “Yes, deflation is here and will be here for a long time. Step right up, pardner, and buy these wonderful zero per cent Treasuries! It will lead to healthy portfolios.” Please do not be suckered by Wall Street's short-term thinking shills, who never look ahead more than three months.

People that want to ride along with the deflation “herd” should take a really hard look at what actual deflationary expectations Wall Street has priced into the Treasury market. According to the Financial Times, the Treasury's inflation protected securities (TIPS) market suggests 4 per cent deflation this year and next, with inflation barely returning in 10 years, and also very little inflation for the following two decades.

This is staggering – the Wall Street “herd” is expecting our country to be wandering in the deflationary desert for the next 30 years! This did not happen even during the Great Depression. Anyone believing this delusional scenario deserves to lose their money to Wall Street, just the same as people who bought snake oil from a “grifter” in the Old West.

For contrarian investors, while the Wall Street “herd” is wandering in the deflationary desert, this scenario should lead them to buying TIPS over the course of the next few months. Where else can an investor get a 4.5 per cent risk-free, real yield?

Don't Become a Victim of Grifting,

Tony D’Altorio

Analyst, Oxbury Research

About the Author

Originally formed as an underground investment club, Oxbury Publishing is an investment think tank comprised of a wide variety of Wall Street professionals - from equity analysts to futures floor traders – all independent thinkers and all capital market veterans.

Our goal is to provide our readers with unique analysis and ideas that will help them invest successfully – in both bull and bear markets. With the vast amount of speculation and volatility in the markets today, investors can’t afford to wait for information – they need it now and constantly.

What makes The House On Mango Street a classic?

i know it has something to do with a universal message but i dont know what that message is.

It's a classic book because it tackled a topic that hadn't really been addressed in books yet. It looked at a different version of people immigrating into the United States and the life they lived. The life in this book isn't too far behind the times from today and most of the lessons in the book are still extremely relevant today.

Besides just covering the minority crowd living in the suburbs it followed a girl around as she started to turn into a young woman. Books that cover this topic are also rare, and Cisneros does a great job of showing the challenges that the character has to deal with.

Cisneros is also a good writer who does this book with a unique style, something that makes it easy to read. She has a lot of passion for the topic and does a great job of showing it in this book.

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