Brent D. Gardner, CLU, ChFC

"The critic's symbol should be the tumble-bug: he deposits his egg in somebody else's dung, otherwise he could not hatch it." - Mark Twain, Notebook, 1904

"October: This is one of the peculiarly dangerous months to speculate in stocks. The others are July, January, September, April, November, May, March, June, December, August and February."