A true bear market? You knew last year.

That was a bear market—painful, dull, desolate, everything came to a standstill.

People still calling for a bear market now? It's too late. That's overreaction, not thoughtful analysis. It's a survival guide written after the storm has passed.

Same old tricks, still the same group of people.

The bull market plan is the same every year, and the results are the same every year.