Another day, another stock market route in China… leading to another day that’s looking incredibly bloody for the U.S. Stock market, with Dow Futures currently suggesting a DOWNWARD opening of well over 300 points.  Plus there’s the continuing weakness in Apple stock, the long-time market leader.  Now the good news… there’s a better way, and I’ll tell you all about it RIGHT NOW.  I’m Bryan Ellis.  This is episode 182.----Hello SDI Nation!  Welcome to the podcast of record for savvy, self-directed investors like you!  Get ready for another dose of Predictably Profitable thinking!This is a tune you’ve heard before… earlier this week, even.  China’s stock market suffers leading to a route across Europe and bringing on a bloody start to the day on Wall Street.  The same thing happened on the first trading day of this year…just 3 days ago, on Monday of this week.  That day, the Dow closed over 440 points lower than it closed on the last trading day of last year.  It was ugly.And then there’s Apple… long the darling of Wall Street, but it reached a peak last year and has declined by a whopping nearly 25% since then.  Apple has lost about $180 BILLION in value… that’s about the same as the TOTAL value of Bank of America, the TOTAL value of Coca Cola, the TOTAL value of CITIGROUP, Disney or Intel.And that’s just how much value Apple has LOST in the past year… and it’s your market leader.Back on August 13, I sounded the alarm about the stock market on this very show.  I told you things looked bleak for China.  I told you that a very bad technical indicator had formed in the U.S. stock market, called the “death cross” by technical analysts.  And I told you that the China problem was a huge problem for Apple, and that Apple could continue to be the stock market leader… to the downside.My friends, I’ve not been wrong.  I’ve been deadly accurate, in fact.Here’s something else that’s deadly accurate… it’s a different way to think about investing your money.Allow me to propose a hypothetical scenario to you… this is totally hypothetical, but definitely instructive.Let’s imagine that it was 6 months ago – July 7, 2015.  Apple stock was trading at $125 per share, and the sky was bright with hope and optimism.So a buddy of yours – who knows that you have some money – comes to you and says… “Hey, I’d like to buy $100,000 worth of Apple stock… the sky’s the limit!  Would you lend me the money? I’ll put up my shares of Apple as collateral for the loan.”So, let’s forget about the legalities and complexity, and let’s just imagine that it was a simple matter for you to lend your buddy the money and take his stock as collateral.Let’s further imagine that call me up and say… Bryan… I’ve got this guy who wants to borrow some money from me and place a really great piece of collateral as security.  What should I do?Here’s what I’d tell you to do:I’d tell you that, assuming the transaction itself is legally kosher, that you SHOULD lend the money to your buddy, under terms these conditions:Condition #1:  You’re not lending $100,000 to your buddy, but $65,000.  Your buddy has to put up the other $35,000.Condition #2:  You get paid an interest rate of 10% per year, with interest payments every month.Condition #3:  The loan has to be repaid or extended – at your option – every six months… unless Apple drops to $95 per share (about 25% below it’s current value), at which time the stock has to be sold and you are repaid.So you got it?  You’re only loaning 65% of the money, you’re getting 10% interest, it’s a 6 month deal, and you can sell the stock if it drops too far.Let’s look and see what would have happened with that, shall we?6 months ago today, July 7 2015, Apple was at $125.  You lend your friend $65,000 who then adds $35,000 of his own money and buys $100,000 of Apple Stock.  So far, so good.  Almost immediately, the stock drops to $120, then bounces back up to $132… it’s all good.So you go on your merry way, not thinking about it… and one month later on