Personal Finance

This year it is mandatory for me to take a personal finance class to maybe avoid a repeat of the world financial idiocy in the previous years. After sitting in the class for a few weeks I've decided I'm going to try and time the market and wait for a disaster, or the calamity and panic coming with December 21, 2012. After every disaster the Stock Exchange takes a dip. So if I was to maybe try and time it and buy stock in mutual funds, if the price goes down. I then leave it alone until college rolls along. Even though it is risky, I'm going to try and get some mutual funds lined up to invest in, maybe look at stocks that pay dividens. Well, all I can do is cross my fingers and hope.