New at this, can't take major risk but want to play a little. Cramer says to start with 4 stocks? Is this right? What should the risk ratio be? I am looking at WMI, GRMN, CSCO, BEAS, BAC & NYX or COF or MA. (any thoughts on the last 3) Are these too many to start? Only 3-4K to start with. Help please!