好像许多人都唱衰股市，也许我们就能躲过一大劫了：或者大跌不发生，或者已经都套现金了，ING Direct Savings account 4.75% 也不错麻。

If you think the market might rally as much as 2-3% from here, you’re far better off simply selling stocks and putting the proceeds into 90-day Treasury Bills yielding 4.685% APR.