Five simple, but often forgotten lessons learned from bear markets:

1. The best time to prepare for a bear market is before it strikes

2. Good performance often follows bad.

3. Investing isn't as easy as buying when you feel good and selling when you feel bad.

4. Base your investment decisions on investment principles, not predictions.

5. The best way to survive a crisis is to have a strategy and stick to it.

For more in-depth discussion of these points, please call me at 985-9600.