We're seeing things we've never seen before, where one day the Dow is up 100 and Nasdaq is down 100, and vice versa,

Those new stocks haven't really helped all that much, but I don't think they've actually hurt all that much, either. Their formula for picking stocks isn't the end-all, but it's what people know.

Election years are traditionally up years,

During those years, a market used to last about 9-10 months. In 1990 we had a bear market which took 3 months.

With computers nowadays and the Internet, the average investor can be a financial genius. You now have databases . . . which put you on a par with the top money managers.

Incumbent administrations shamelessly attempt to massage the economy so voters will keep them in power,