Just an ordinary investor, with a BBA in Business ADM from Ohio U. Thanks OU for the great financial education. I lucked out in 2007. I went into bonds on the idea the U.S. companies stock values were going to take a large hit with the the new mark to market accounting rule FASB 157 changes. Then paid attention to the FASB boards ruling on the FASB rule 157 when it changed back to the way it should be, the FASB rule 157 was correct pre late 2007 changes. The rule changed back to what it was again March 2009. I went from bonds back into the market March 2009. I flushed all bonds at that time from my portfolio. Doubled my monies thank you FASB board. If you look for the FASB head accountant's name at the time the FASB rule 157 changes were made back to the way the rule was in 2007 the FASB head accountant hated the rule going back to the correct way. What a financial illiterate this accountant was in 2009 that was fighting agianst the correct way the FASB Rule 157 should read. The reason this FASB accountant was fighting it was all for selfish reasons the rule as changed in late 2007 gave accountants much more work, and also let them determine values of a companies holdings when noting it to the bottom line a real disaster. It is in the details that we are going to get very rich if we pay attention folks, so get your ears on, and read Forbes magazine some of the most financially literate folks post their ideas there in the month to month commentator article writers. I am currently still long on stocks, and bonds are dead to me.