We spoke with author and financial expert Lorraine Ell. Her recent book Bozos Monsters and Whiz-Bangs – Bad Advice from Financial Advisors and How to Avoid It, is must reading. Lorraine helps her clients control emotional responses to market movements. It’s hard but she’s an expert in the topic. Avoid junk and go for quality. Diversify, both domestically and abroad and most importantly, don’t panic!