Everyone with a 401k should be happy the stock market averages are on a recovery. Right? Wrong. You and I are paying up front for the recovery with higher commodity prices. In the meantime, high-beta stocks are flying on very little volume and inside sales ratios are sky-high. The questions left unanswered are “What’s a retail investor supposed to do? When?”

There’s a long story on NakedCapitalism absolutely worth reading very carefully and taking the time to fully comprehend. The summary: The Federal Reserve is trying to make the case it can be the ‘One Regulator to Rule them All’. Two words: epic fail. A grossly simplified analogy would be the fox wants to guard the hen house.