The Dow is 10% off its October high.

The decline in the Dow Jones Industrial Average just past the 10% decline mark that denotes a 'Correction'.

The swoon comes as investors were unnerved by another series of announcements that pointed to continuing problems in the credit markets, the result of home loan debt going bad under the weight of a faltering housing market.

So where are you putting your money? Stocks? Bonds? Vancouver Real Estate? Beanie Babies? (I hear they're highly collectible). Just how is a fella supposed to get wealthy without any effort these days?