In times like these, the professionals are not doing any better than us. Half my holdings are in mutual funds and the average YTD return up to the end of October is down 40%! I guess I should have cashed out from those funds earlier. Well, should have, could have would have..... The point is they can't do any better either.

By the way, what is the significance of the December 21, 2012 date? Is that some kind of a milestone date, birthday?