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Normally, I would say the yang of bonds (to the yin of stocks), but the nature of the third part of the stock crash is such that the bonds will be affected as well.

I would probably suggest T-bills. I know; that's pumping more money to the feds. However, that's still eminently-safe for the next few years. I wouldn't leave it in there much past 2009, though.

Do bear in mind that all I've got is a few gut feelings and some self-training. That gut feeling was that the indexes would crash again today, though the Dow is actually up 41 points, while the other indexes are down just a bit (and the Russell 2000 small-cap is continuing its crash, with another 1% drop thus far).

Ughhhh.. I think we better just hold onto our hard earned money. Someone here said something very wise. To "wait until a definite BEAR market is going on. So what if you don't get in at the starting line".

Perhaps that is the wisest decision while treading in these waters. The market is everywhere today, a lot of volitility, and so unstable.

I don't know what a good sign would be for investing at this point. I know that for a couple years here, we have discussed this very fall. I doubt its over yet either,.. but darn if I can figure out (even after a ton of good advice) when to even consider jumpin back in.

People used to laugh at some of us who said DJ 6 to 7,000. But now I'M HEARING even lower numbers!!! I won't be laughing at the thought.. because I figured it was going to drop this low, and not many believed that. So I keep an open mind to how low it will/can go.

I just pray for so many that this will be over soon. That we will start to see a more realistic expectation regarding the stocks we buy (stocks having tangible value), resulting in us having portfolio's that enjoy a long life based on something REAL!!

This has just been crazy. A lot of people have been hurt by all this,.. but somehow we got away from the thought that you walked with a KNOWN risk when investing. Everyone thought it was a "sure" bet.

Sad. And I admit, we are extremely nervous about investing. It could be a really great time in November to invest, but on the other hand, the bottom may be a couple thousand off. So then you lose.. maybe not as bad as some have, but you still lose. I don't want to be a loser.

I really appreciate all your help in trying to understand all this. I know the information helps others who are also trying to figure this all out.

Many thanks to all who have offered opinions. They have been very appreciated!