We have to digress from our topic on education a bit as the financial markets are entering interesting times. Here is my attempt to answer a question on many people's mind: time to buy?The last couple of months were pretty awful for those who are involved the markets. Most indices were down double digits. Europe was down 20%, Asia high single digits and Latam was also down teens. Only US did ok with single digit declines. What an irony, US the birthplace of this current mess actually suffered the least… Market commentators are talking about 1/3 chance of recession, but I believe the reality is that we are already in recession. It is double dipped chocolate with whip cream. Unemployment no.s are going to rise and real assets are likely to fall (finally! A chance to buy property!), hopefully. So the big question: when is it time ...