A key aspect of feeling good and keeping insanity away is to keep your finances in good
order. We just left a major stock market top behind this summer. This may not just be a
double dip. It is possible that March 2009 lows will not hold. The bear market rally of
2009-2011 was expected after over sold conditions. But now we are back into bubble
territory and coming down. Debt is the problem and we have more of it now. Nothing has
been fixed. We have borrowed the stimulus and we have spent it. Now we are going to
face a mountain of debt. Merely borrowing and spending money cannot make an
economic recovery. Debt free monetary system is the way to go. We desperately need a
new generation of suckers to buy these stocks at these prices. It's all the same market!
There is going to be nowhere to hide! They all go up together, and they all go down
together. They are all correlated, and move opposite the US dollar. This is because
expansion and contracting of money supply, of the expectation of it is what is driving the
markets today.

Does
diversification work? Here is why diversification won't work:

href="www.tradingstocks.net/html/investing_trading_market_timin.html">www.tradingsto
cks.net/html/investing_trading_market_timin.html

Today's economic problems are not about what we are doing today. But they are about
what we have already done. For many decades, FED made credit easy, America
borrowed. We have inflated the money supply, prices and salaries with borrowed money.
Debt has reached excessive levels with FED's leadership. FDIC guaranteed deposits
and depositors never questioned bank actions. Fannie, Freddie guaranteed mortgages,
banks gave mortgage to every breathing soul. The mistakes are already made. The
cause is in place. The effect will follow. Cash holdings of mutual funds are at record
levels. Most are fully invested and optimistic. The situation is prime for a major crash and
maximum pain again. It will go into history books. Deflationary crash is coming to an
economy near you soon. In a few weeks we should top and bid farewell to the exuberant
prices. Will remain a fond memory. Just like Nikkei... Our problem is debt and we have
more of it now. Nothing has been fixed. Coming crash will be bigger than 2008. Keep
your dollars safe and keep your sleep sound. There is no need to sweat this one out if
your money is safe. In this environment, safety comes first, returns come second.