(Eugene Wehrheim) - This has indeed been quite a year. A year ago at this time our world was beginning to spin in spiral that had most of us on the edge of our seats. The recent recovery we’ve had in the equity markets has taken some of the tension off, but each downturn we get, no matter how small, the bears come out and start feasting on whatever problem they can find.

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(Lee Siler) - As the market continued to lack direction, the Federal Reserve announced that interest rates would be left alone for the foreseeable future. With the economy still at risk of a more significant downturn, monetary policy will remain status quot.

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