Lead Article:
The Markets rebounded strongly in 2009 following the second worst year in stock market history.  Investors who followed our advice by adhering to the timeless principles presented below would have weathered the storm well.

• I will understand my own circumstances and formulate an investment plan based on my needs, not in anticipation of market trends.
• I will remind myself that investing is not a form of entertainment - if I have an urge to gamble, I will go to Las Vegas.
• I will stick to my plan.
• I will not attempt to pick "winning" stocks.
• I will ensure that my holdings are adequately diversified within each asset class I won.
• I will focus on minimizing my investment-related costs.
• I will stay abreast of changes in investment-related tax laws.
• I will not purchase any financial instrument I do not understand.
• I will ignore money managers or others selling products rather than advice.

Inside This Issue
Quarterly Review of Investment Policy
Managing Inflation Risk
The High-Yield Dow Investment Strategy
84 Years of Stock Market Returns
Recent Market Statistics
Recommended Investment Vehicles