Traditionally safe dividend stocks have been whacked along with everything else by this credit crisis, as struggling companies are forced to slash payments. But David Newman says Reverse Convertible Notes are little-known securities that truly guarantee a steady income. And you never have to own the underlying stock…

The good thing about not following the herd, is that in the long run, it delivers you opportunities that no one else can take advantage of. Warren Buffett, largely seen as one of the world’s top investors, spent most of the credit boom sitting on his hands.