Well, I think we've been through our little 'bear' market now.  I think I had one buy signal in a couple of accounts.  Not really the 'end of days' many touted it to be.  I may be premature about this, but it seems like the market is stabilizing.  It just seems to be unsure about where it wants to go.  I continue to accumulate cash, just in case.  As in all times, you have to keep the attitude 'It could go up, or it could go down.'  I'm ready either way.  I did get a little too over-enthusiastic about trying to generate more cash in some of the accounts and got careless, losing a good chunk trying to do the naked put strategy.  I have since become more conservative in that regard.  I still have yet to do anything REALLY stupid in my personal account, but I've been lucky a couple of times too.  I just need to stick with really established companies and not get too greedy.  It's really a good strategy when done correctly.  It becomes a little tempting when you have loads of cash in your account and you get antsy because that cash isn't really producing anything.  I'll continue with it but stay conservative and realize that if the market starts going in a more consistent downward direction to back off.  If it does that, the cash will become more valuable just sitting in the account.  Until we see a more certain and consistent upward movement in the market, I have started to wait until later in the month to do those trades.  I end up pulling less cash per trade, but that's better than being stuck in one and then needing the cash if the market decides to take a shit.