The bailout finally passed last week, but has a several week lead-in time before the money starts flowing. The DOW is below 10,000 and still falling.  All is not well with the financial system.

I heard a clip from Jim Cramer who stated that if you need the money that is in market during the next five years, it is time to get it out with all due haste. This is some sage advice.

I regret not taking action sixty days ago when I wrote myself a note to move all assets into bond funds and out of the markets. But I failed to do so for fear of missing a rebound. What did my fear/greed cost me? An additional 30% of my holdings are now wiped out. The market has me stressed, and I am just a tiny little investor with a small portfolio, actually must smaller now.

I have not given up on the markets, just moved into something safe until this blows over. I will watch the markets and each night I will look for the best opportunities.  All I can do is start trudging my way back to break-even, then focus on the future.