"What makes a stock go up?" Brad Gullickson asks his sixth grade math class at Jackson Middle School. The answers varied: "The company's value and how much money they are making," offered one boy. "The popularity of the store," chimed in another student.

In this devastated market, “risk tolerance” is an oxymoron. Those little tests the online investing sites give you to assess how much risk you can handle in your investments don’t do justice to the kind of crash we’re living through.

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In case you haven’t already heard, the granddaddy of capitalism is currently moving 100% of his personal wealth into American equities. “A simple rule dictates my buying,” Warren Buffett recently wrote in The New York Times , “be fearful when others are greedy, and be greedy when others are fearful.”

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