Joe has an important caution in his video this month. The year 2013 was extremely good for the markets, but the nagging question on people's minds is "When will the correction come, and how big is it going to be?" He cites a J.P. Morgan study that shows that over the past 34 years, markets have dropped an average of over 14% per calendar year. However, close to 80% of the time those same markets have ended the calendar year on the positive side. His message: Market volatility is a way of life. We must be careful not to let our emotions or the news media drive our long term investment decisions.