From all of us here at the Lapa family - we wish you and yours a safe and happy holiday season. Now is a good time to trade out those losers and under-performers of the year (like General Motors (GM) if you own it) and get ready for the New Year. A new year that will consist of a new economic chairman, Ben Bernake, to replace the legendary Greenspan. Bernake is well-qualified candidate with a more flexible attitude when it comes to controlling inflation rates. I would expect the markets to grow at a quicker pace for the duration of his term in office as oppose to the Greenspan era.