1.   ADRs are primarily used by large institutional investors or individual investors who enjoy picking individual stocks, said Mill Valley financial planner Stefan Williams.

2.   But to cash in on the growing use of these safety devices, investors must pick their spots carefully.

3.   In fact, investors often pick exactly the wrong time to throw their money in.

4.   Investors pick one that fits their age, income, risk tolerance and other factors.

5.   Investors often pick funds based on risk, investment style, expenses, returns and manager experience.

6.   Investors picked brand-name issues that are less susceptible to a broader market decline amid mixed signals on the direction of interest rates, analysts said.

7.   Isser Elishis, chief investment officer for Acqua Wellington, said it is hard for an investor to pick when a stock is at a low.

8.   Most professional investors pick stocks based on the business prospects for the company involved, and say the Super Bowl theory is just another silly statistical oddity.

9.   Not surprisingly, it is becoming increasingly difficult for investors to pick through all the dross to find gold.

10.   Q. Does a change in rates warrant a change in how investors pick stocks?