cubfan,
There are much brighter folks on this site:
Inaugural Cappers Lounge Newsletter

This should be a good place to start. Read the newletter archives using the link on the right. Tonight s a good example of the 5% rule. Lots of strong opinions on the Titans. (mine included) Looks to be a loser, but tomorrow's a new day, because we made a reasonable wager.
v