I've been watching the markets but have decided not to buy anything. Instead I'm going to take my money and pay down my home mortgage. I can do 20% a year so I'm doing 20% now and 20% in January. It won't quite be paid off, but it will be very very close.

While gathering the money I'm doing something which I think is quite clever. First, of course, I sold all my losers. Then I sold my principal investment in any stock that was flat or had increased but turned down. That gave me enough money for this round, but in January I'll need to sell my principal investment in some of my winners.