The monthly chart for SPY shifts to negative at the end of September with a monthly close below the five-month modified moving average at 127.52.

FORBES: How To Time The Market With A Mix Of Fundamentals And Technicals

For decades, salesmen have encouraged people nearing retirement to elect to take their monthly pension as a larger amount that will end at their death, instead of accepting a smaller monthly pension with payouts that will continue over the life of a spouse.

WSJ: Conquering Retirement: When Not to Buy Life Insurance

Retain monthly statements, year-end reports and trade confirmations, and annotate them as appropriate.

FORBES: Investing