Investors got a rude awakening yesterday as U.S. stocks started the day with declines. An acceleration occurred late in the trading day, with the Dow Jones Industrial Average DJIA, -4.60% eventually closing down 1,175 points, or 4.6%, at 24,346. The S&P 500 Index SPX, -4.10% tumbled 4.1% to 2,649. For perspective, it has been only two months (Dec. 8) since the Dow closed at a lower level than it did Monday. Do you think we are heading towards a bear market? Are stocks over valued? What do you think has caused this most recent decline? Each investor's situation is different, but how would you suggest someone in his/her 20s allocate his/her assets, or what do you advocate investing in?