Yes, it's that time again when investors should be thinking about a game plan for 2001. Here are some New Year's resolutions worth making and keeping:

• I resolve to . . . .Maintain a regular investment program, even if it kills me. The best investors are those that find the money to invest regardless of their financial position. Yes, I know money can often be tight. However, with today's investing vehicles, it doesn't take much to invest. Indeed, you can invest as little as $20 via your BUYandHOLD account. Even $20 per month, over a long period of time, can add up.
• I resolve to . . . .Buy stocks during bad times. Experienced investors know that you get rich during bear markets - you just don't know it at the time. Indeed, investors who suck it up and buy stocks on sale during bear markets are usually well rewarded for their courage.
• I resolve to . . . .Have a diversified portfolio of stocks. To diversify in 1998 and 1999 meant to underperform. Indeed, if your portfolio wasn't all technology stocks, you trailed miserably. But guess what - in 2000, if your portfolio was all technology stocks, you got killed. Diversification may not be sexy, but it is a way for you to protect yourself against severe pullbacks in any one area. You can own technology stocks, but make sure you own other industries, too.
• I resolve to . . . . Open a Roth IRA. The Roth IRA is one of the best investment deals you are ever going to get. You can contribute money that grows tax deferred and is withdrawn tax free. Opening a Roth IRA has never been easier now that BUYandHOLD is offering Roth and regular IRAs. OPEN ONE NOW!