When Ed Koc's daughter announced that she was thinking of majoring in music, he gulped. Personal finance news - CNNMoney.com

Take a memo. Personal finance news - CNNMoney.com

Believe it or not, the extreme market volatility of late 2008 - the Dow Jones industrial average swinging 1000 points in a single day, the Chicago Board Options Exchange market volatility index hitting all-time highs - may be a harbinger of good things in 2009. Personal finance news - CNNMoney.com