To those of you who weren’t aware that the market has dropped 6% in the last month, we salute you!  More than likely, you are doing exactly what you’re supposed to be doing:  not worrying.  The Monarchians aren’t worrying either.  It’s not that we don’t care about losing money, but we feel safer about our

As some of you may know, I just returned from Kazakhstan, where we adopted our new daughter.  Her name is Magdalena (Maggie for short), she is 10 months old, and is one awesome girl.  We had a very blessed (and very long—6 weeks) trip—not in the sense that life was easy or comfortable, but it