http://articles.moneycentral.msn.com/Investing/Extra/CramerFlipFlopIveEvolved.aspx 12/19/2007 4:00 PM ET Cramer's flip-flop: 'I've evolved' The 'Mad Money' host who beseeches his viewers to 'buy, buy, buy' hot stocks has written a new book warning that individual investors almost never beat the market. -skip over a few paragraphs- Most people actually won't get rich by buying individual stocks, Cramer says. Unless you do your homework, namely spending an hour a week researching for each stock you own, "You won't beat the market, and you'll probably lose money," he writes. For Cramerites willing to do the research, the book helps construct a long-term, diversified portfolio. For most people, however, he advises low-fee stock index funds. The new approach might please Cramer's critics, who have worried his focus on trading your way to riches sets a bad example.