Don't look now, but stock market indexes are approaching frothy levels – almost back to where they were before the recession started two and a half years ago.

I'm feeling pretty smart. I've made all the investment decisions for my 401K and IRA retirement accounts and, in all immodesty, they appear to have been pretty good ones. Of course, I looked awfully dumb in the fall of 2008 when the bottom fell out of the market and my holdings dropped 50 percent.

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