There is a simple concept.."The 72 rule" where you divide into 72 your average compounded annual return and that is the number of years it takes to double your money.
This time of the year, If you own stock you can simply sell a Jan 2014 covered call, the option to another to claim your stock at a specific strike price for a premium determined on how volitile the stock trading pattern is...99% of the time this premium is 10 - 15%. So your giveaway is that strike price + premium. Until this trade is closed this sale of a covered call is a tax deferred, cash loan.
Until the stock is claimed you the shareholder pocket the company's quarterly dividends.
Negatives? You can loose on potenial upside and the stock is locked up until you close out sale of call.
First play this on a piece of paper until you understand it....
I often ask, If you did not have a 15% return last year then why not?