it's getting to be that time again when the market is slightly overvalued and people are jumping in to make some "easy money" so beware. the crest is in sight. if I knew exactly when it would top off I would be a trillionaire. my best guess would be sometime in January , then we could see a 10-15 % "correction" I don't worry too much about it because I don't try to "time" the market. I just use DCA ( dollar cost averaging ) and go for the long haul. I actually make more money when the market goes up and down all the time. just a warning to people trying to make a fast buck.