It's really not a fair competition between Mom & Pop and Wall Street. The former is focused on building his and her wealth, while Wall Street is too busy grinding axes.

There is no broker-dealer or banker yet that isn't conflicted to its core. From internal politics to trading against the client, Wall Street is consumed with issues. But once the so-called "retail accounts" understand the conceptual difference between buy-side and sell-side, they'll beat Wall Street all the time.

You see, the sell-side needs you to buy, so they call you an investor. Then along comes Bill Cara to turn on the lights at your house. He simply says, "You are not an investor; you are a trader. You trade prices. You do this job like you'd run any business."

Ergo, the Little People see the way. The journey becomes so much easier.

As proof of concept " not that I need proof because like I say I've been there and done that so I know " Tradingmarkets.com recruited 10 former Playboy Playmates to trade against Wall Street. As BusinessWeek reported, the Playmates collectively returned 7.87 pct after the first four months of the year, while only 25 pct of mutual funds could match it.

In fact, is there anybody on Wall Street that can beat ‘Cyber Girl of the Year' Amy Sue Cooper? Have one look at this, and you tell me.

Wasn't it just last Thursday I pointed you to CramerWatch.org, "the site that pits TV's most popular stock analyst against a monkey"? According to that site, the score is +51.54 pct accuracy for the monkey vs +50.15 pct for Cramer.

Do I think Cramer is a bad trader? No, but I do know he is an entertainer, and therein lies a conflict.

But then you knew that already, didn't you, after I pointed out Cramer was pumping stuff like Crystallex and Eurozinc, and giving you headlines like "whatever Cramer's buying, I'm selling".

As to the possibility there could soon be a "CaraWatch.org", I have mixed feelings.

You see, as a trader I know I can beat a monkey. Amy Sue Cooper, I'm not so sure about.