take herbalife, let's go to herb in florida. herb. >> caller: jim, great to talk to you. i've been an action alerts follower for the past few years, i wish i had gotten on board sooner. >> thank you that you support us. what's going on? >> caller: i have recently retired, i have saved up well over my lifetime and i have looked at the longevity of my savings and as long as i manage things well, i'm in good shape. my concern right now ask in allocation, i have about 65% right now allocated in stocks, split about halfway between what i follow you with and the other half in indexed funds. >> okay. >> caller: and then the remai d remainder is split between bond funds and cash and, you know, the cash fluctuates up and down. >> sure, you're doing it exactly right, just like we teach you in action alerts. >> caller: i've been paying attention then. >> you're doing what about exac like. here's a tip, when you see insider buying plus heavy short interest and a buy back at a dividend, well you got something, just be careful to avoid situation where is the shorts are simply determine