&lt;p&gt;The stock market was about to take another dive, and this time I didn&rsquo;t want to go down with it, but what to do?&lt;/p&gt;
&lt;p&gt;At stake was my small retirement fund. I don&rsquo;t have many more years to work, and I certainly can&rsquo;t afford to lose any of it. Then again I can&rsquo;t afford to pull it out in a declining market.&lt;/p&gt;
&lt;p&gt;I saw it all coming about four months ago. So, how did I have such clear insight to the impending crash? Why, I just listen to the voice in my head.&lt;/p&gt;
&lt;p&gt;I call him Fred.&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.thecitizen.com/blogs/rick-ryckeley/10-13-2011/dont-blame-fred&quot; target=&quot;_blank&quot;&gt;read more&lt;/a&gt;&lt;/p&gt;