I use the "dime" rating system, going in 5 dime increments, generally keeping those plays between 5 and 50 dimes. Yes, that's a wide range, but truth be told, I usually max out around 30 dimes, rarely venturing into the rarefied air toward 50 dimes unless I've built a substantial bankroll. Doing anything different would be irresponsible bankroll management on my part and a total disservice toward you, my clients.

I like to keep it simple from a money-management system so my customers can always know exactly how they should beallocatingtheir bankroll in proportion to the rating I assign to a selection.

Obviously, a 50 Dime play is five times stronger than a 10 Dime release and twice as strong as a 25 Dime pick.

And each day when you see my compiling or mentioning my NET profit figures, keep in mind I've computing them based on the following formula:

Net Profit = Wins - Losses- Vig

Of course let's not forget my golden rule of gambling: Never bet more than you can afford to lose. No rating system - including mine - is effective unless you pay attention to that rule. By heeding my advice you can never fall into a financial abyss from which there is no escape.

A question gamblers always pose is "How much should I be playing?" Obviously, there is no set, firm answer, but my advice would be to follow my money management system and base the size of your wagers on a percentage of your total bankroll.

Let me explain further...

Take your total bankroll - the amount you can afford to lose in an absolute worst case scenario on a single day. Let's say it's $400 on a college football Saturday. And on that Saturday I release a 50 Dime play and two 20 Dime picks.

Let's do some quick math...I've got atotalof 90 dimes of action on the table (one 50 dime play and two 20 dimers).  You've got amaximum one-day bankrollof $400. Simply divide the $400 by the 90 dimes and you've got a per dime wager of $4.44.

Now it's time for some simple multiplication. If a dime is worth $4.44, my 50 Dime rated release equals approximately a $222 wager on your part. And my two 20 Dime rates picks equal approximately $88.88 wagers each. Add everything back up and you've got your initial $400 bankroll all over again.

This obviously all applies to a single wagering day. It's up to you to figure out how to allocate your bankroll over the course of a week or month.

Now, back to how inconsequential winning percentages can be: Let's say I have a 50 Dime play and three 10 Dime releases on an NFL Sunday. If I win the 50 Dime play and go 0-3 with the 10 Dime releases, my overall record is a dismal 1-3 but my net profit is a healthy 17 dimes. Conversely, let's say I lose the 50 Dime play and go 3-0 with the 10 Dime releases. My overall record is an impressive 3-1, but my net profit is a negative -25 dimes.

Which would you prefer, the losing record and winning day, or the winning record or losing day?

Believe what you want, but I'm telling you the truth: Winning percentage means nothing in this business as the above illustration will prove time and time again. Of course, crafty salesmen masquerading as handicappers can spin gold using the second scenario, but I feel it's my job to educate you about what is the TRUTH in this business - whether you become my customer or not.