Hi 1STEP My stock selection is based on the Robert Drach/Herzfeld book. HIGH-RETURN, LOW- RISK INVESTMENT.1993. McGraw- Hill, Inc. An A+ rated S/P stocks contains all the criteria that they use for their stocks selections. So,if a stock is rated A+,it goes into my inventory. I go through the S/P monthly stock guide and pick out all of the A+ rated stocks. If their are any changes or addition, they will be noted in their upgrade/downgrade section. Robert Drach has a dialy comentary on the PBS site. He also has a model portfolio since 1995. http://www.pbs.org/nbr/site/research/investors/drach/drach/