Timing the Market

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With grateful appreciation to Professor of Finance Bernard Schumacher, CFA, Post University, and Professor of Psychology Robert W. Jaynes, Lakeland College for their peer review and excellent suggestions; the credit for this book is theirs . . . any errors are mine. With special thanks to: Erkin Y. Sahinoz, economic analyst and research team coordinator Federal Reserve Bank of Cleveland; Lyn Harmon, Ph.D.; Ann Caron, Ph.D.; Joyce French, Ph.D.; Miriam Lewin, Ph.D.; Marie Amoruso, Ed.D.; Rev. Anita Keire; Sandra Berris; Joanne Dearcopp; Marie
Schwartz; Bette Willis; Isabel Maddux; Jonathan A. Jaynes; Peter H. Jaynes, Ph.D.; Gabriel Baracat, Ph.D.; Richard Fulljames, CFA, FSA; Gregory M. Hryb, CFA; Cynthia Giglio, CFA; Charles Baker, CFA; Morris Markovitz; Merry Sheils; Caitlin H. McConoughey; and Michael Stinchcomb.