Good riddance 2009, hello 2010!

We promise to continue throughout 2010 to bring you the best, most helpful money information that you have come to expect from us. We will do our best to help you be more prosperous this, even though government spending is going to make that more difficult than ever before.

And we will be here to keep you out of trouble and help you hang on to what you already have-and that can be half the battle!

I saw a lot of headlines the last few days blaring that this decade just ended produced the worst stock market returns imaginable. Adjusted for inflation, the Dow stands exactly where it was in 1999.

But it didn't have to be that way.

We gave some advice at the beginning of this millennium that saved those who listened from painful losses and can serve as an important lesson for the year ahead.

Back in 1999 we warned investors to get out of stocks because the tech bubble was going to explode. For our belief we received threatening phone calls to our radio show and emails that, quite frankly, were scary.

Within a few short months, however, the threats had turned to praise for a good call from some and tearful admissions of losses from others.

Once the tech bubble burst and stocks took a dive we reversed our position and cautiously suggested returning to the stock market. We stayed with that position for about five years.

But once again seeing "irrational exuberance" return to all segments of our economy: real estate, stocks, spending and borrowing we began suggesting that you take profits and head for safety in cash and cash equivalents as well as adding a small position of gold.

For any detractors out there who again began saying that we were too bearish on stocks, the numbers speak for themselves. Unless you were lucky enough to pick the few real success stories in the market, at best you're where you were 10 years ago and at worst, you've lost a lot of money.

Meanwhile, our recommendation last year to own some gold paid off with a 24.8% appreciation in price closing out 2009 at $1,096.20 for the year.

So as we kick off 2010...

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