So my MoneyMan says that there is pent up demand for stocks right now. He mentions a decline in the momentum to the downside . . . brewing demand will cause a lil bit of a rally and things get pretty interesting towards the end of each trading day--Could this be it? Should I be a part of this demand? Is this the time for me to jump in and test the waters?!?!?

I don't think so, my friend. The waters are full of hungry sharks and the scent of fresh blood may already have them circling in a frenzy!

"Chill out!" He tells me. For a newby like myself, picking this time of all times to dive in--even with arm floaties--could be the be most erroneous decision for me to make.

So he recommended that I pick up a Barron's and keep reading through this "crisis." I'm still acquainting myself with market jargon--subprimes, dividends, margin calls, ankle biters, traction---it is all very exciting! I figure the more knowledge I accumulate the more chances I have of being successful as an investor. KNOWLEDGE IS POWER!

Dan also says that there should be a couple of weeks of rallying. He explains in more detail how this works on his blog . . . more or less, he does it by not allowing his decisions to be led my his emotions about what is going on in the market on a minute-by-minute, hour-to-hour or even a day by day basis. This way you cant' be fooled by "daily movement," and you can focus more on more meaningful developments.

I've heard many people compare him to a surgeon, operating with precision and remarkably skillful with his tools . . . the market-his table, the patient-his portfolio, buying and selling, only at the right times.

What do you think holds us back? What keeps us from making the right decisions when it comes to investing and managing our own money, stocks and bonds? Do we act out of fear of failure; is it our lack of courage that keeps us from holding on longer tahn we feel comfortable doing?

Courage is about doing things that are scary even if you are scared . . . heed my MoneyMan's words: Have confidence in yourself!

Tune in to BizRadio 1110AM to hear the sound of your money growing.