Among the numerous benefits, this strategy can "reduce risk, lower portfolio volatility; generate monthly or weekly income on stocks you already own. IF you know what you're doing. Today's Stocks & Topics: Over Diversification, Earnings, XLE - Energy Select Sector SPDR ETF, TSLA - Tesla Motors Inc., TGT - Target Corp., Keeping a Lid on Risk - Millennials, IMPV - Imperva Inc., IBM - International Business Machines Corp.