No Bull in the Bear market; get holdings into cash

As I predicted, the financial markets approached the 9500 mark in the Dow and declined as worries about the nation's economic future took hold.

Market experts were forced to acknowledge that poor earnings reports and layoffs would carry great clout in the market for the rest of the year. Treasury Secretary Paulson had to warn big banks today that the capital they'd just received from Uncle Sam was to meant for loans, not to sit on.

Overall, if you invested in the stock market yesterday for any significant return before Jan. 1, 2009, you're going to be disappointed. As billionaire and Dallas Mavericks' owner Mark Cuban told CNBC last night, the smart choice for now with your money is cash.

And that move gives you time to get with a certified financial planner for a series of meetings to plan your financial future in a very difficult economy to come.