The Fed's little quarter point drop in the overnight funds rate seems to only have worsened market volatility. Bull or bear, up or down. We can't decide whether the subprime problems are tanking the economy and we're headed for recession - which means rates should be dropped in order to stimulate growth - or whether the Dollar is too cheap and inflation is around the corner, which means the Fed ought to tighten up on cash by raising rates.

With all this worry and debate you'd think the market might do more sitting on its hands. That's not the case. Big money places its bets with your money market, mutual fund, pension and 401(k) savings and sets loose the latest releases of their trading programs in the hopes of making a few bucks.

Good luck to you if you're choosing to trade in and out of this market. Me, I'm watching these huge daily swings and letting cash accumulate on the sidelines. We'll probably get a good reading on which way the economy is going in a few week's time. Plus in a few weeks it might just be time to do a little more rebalancing. Until then, it's sit back and try to enjoy the ride.

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