INVESTMENT TIP If you purchased 1,000 of Bradford & Bingley ordinary stock two years ago, you would have 0 left today; If you purchased 1,000 of HBOS, ordinary stock two years ago, you would have 87 left today; If you purchased 1,000 of Northern Rock ordinary stock two years ago, you would have 0 left today; If you purchased 1,000 of Merrill Lynch ordinary stock two years ago, you would have 0 left today; If you purchased 1,000 of Royal Bank of Scotland, ordinary stock two years ago, you would have 76 left today; If you purchased 1,000 worth of canned beer two years ago, drank all the beer and sold the aluminium cans for recycling, you would have 188 left today; Based on this example, my investment tip is: (i) Avoid bank shares (ii) Drink canned beer heavily and (iii) Sell the cans for recycling