Dow 10,000? That's where we are headed

Everyone is trying to say when the bottom has been reached in the Dow Jones Industrials Average and the S&P 500.

That game has been played since last spring. Some of us were fooled to jump back into the market through mutual funds. And some of us jumped right back out of the funds when the market kept going down. Yes, we paid a little in declined values and commissions.

But eventually, we went short in the market, investing only in individual, Bear Market stocks and municipal bonds. And we're on the plus side for the year in our investments.

Anything tied to a financial institution is not a Bear Market stock. Commodity stock also are not secure. Only a few stocks offer safe harbor. That's why you need to meet with a certified financial planner. Even money market money funds are not as secure as in the past. The future is quite dicey over the next 12-15 months.

One thing is certain. The Dow will descend to 10,000 as a floor, then slowly head up. So get prepared for that future by seeing a certified financial planner now.