I advised that we pulled money into Cash position early this yea

because I have sensed something big is going to come. If you have done so, you should be fine right now. A while ago, I was sensing dow jones may drop below 10000 points, I still hold that expectation today. Also, I suggested that 2009 may be a great time to hunt for REO bargains, although general housing market may bottom later than 2009.

May we live in an interesting time!