[img_assist|nid=10183|title=Dow in January|desc=|link=node|align=left|width=460|height=284]

How does that saying go?

Oh yeah – as goes January, so goes the year

At 1000 points per month the Dow could be at zero before school starts in September

Buy and hold is so dead as an investment philosophy

And dollar cost averaging – let’s see, I’m already in a hole so I think I’ll dig it a little deeper …

Wake up and smell the coffee, Francis