One of the few positive memories I have of Detroit is the DIA. If the city were a body, the DIA might be its heart.

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Until there is more clarity regarding the cliff, I favor conservative holdings like the SPDR DJIA ETF ( DIA) and the Utilities Sector, via ETFs like the Select SPDR Utilities (XLU), while holding an ample supply of cash ready to pounce on more aggressive opportunities.

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Chart Analysis : The yearly chart of the Dow Jones Industrials, which I use to confirm my analysis of the SPDR Diamond Trust ( DIA), shows that this will be the third consecutive higher yearly close.

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