Largest drop in 21 years!

Ouch! The drop Monday was the largest on a percentage basis in 21 years. The bailout plan was not passed, which was unexpected, and fear took over. If you're like us--and most investors--you have lost money this year in the market turmoil.

Remember, the goal is to beat the market even if that means losing less which will add significant value over time. At times like this, it is important to take the long view knowing that the market will recover. We have some stocks that are down significantly. We are just going to hold and sit tight, we do not think that now is the time to sell.