The first full month of #hottakeoftheday is behind us. The takeaway: “Some days you hit the nail on the head. Some days you accidentally put the hammer through the wall.”

Perhaps Eleanor Roosevelt said it better: “Do what you feel in your heart to be right – for you’ll be criticized anyway.”

And anyway – people have short memories. Remember Christmas Eve day when the world economy was collapsing, interest rates were rising, stocks were tanking and the best thing about Christmas was that the market was closed so it couldn’t fall? Exactly. Neither do I! Now where’s my e-trade account password…