The past decade has witnessed stock markets with incredible volatility. For the typical investor this has created returns that have been essentially flat or negative since Jan 2000. In fact, significant numbers of people have lost badly because of rapidly rising/falling markets, fear, and selling at the wrong times.¹ Wall Street and the big mutual funds promote a buy and hold philosophy, but how has that worked for you? What about the concept of buy low and sell high? Can the two ideas be put together in one? Wall Street warns that one can’t time the markets. And that is true if one adds the phrase "correctly every time" at the end of the sentence.