This is the S&P. It is a month to month comparison for last year. It covers the last five years. Note the month of January thru December 2011. There were 7 down months. And………….5 up months….Gee, 7 and 5 are twelve….Hey, there are 12 months in a year…(Bold face means down) So last year we had more down months than up months. In fact the last five years, always had down months.

You see, there are always down months. Expect it. Prepare for it. Trees do not grow to the sky. So do not believe all the hype…and the best time to buy a new stock may be the next month after a down month.

So wait at least a month before you take action from any guru. You can’t have sunshine without rain. Questions or comments..?