I recently learned something about people like you and the market makers. You're manipulating the markets right now in a much heavier handed way than in the past. Using the Obamacare issue to yell doom and gloom and pushing for downtrending. This cranks up the VIX and you can make easy 5-10% swings in a trading day. Brilliant. I'm learning. Thanks for the education and it's definitely a money-maker. Too bad granny has to pay the price of selling into a weak market while bankers and traders clean up. CNBC puts lead analysts from the NYC firms on the air now for additional scare tactics.
Just look at the recent end of trading day closes. Obvious day-long manipulation with closing out positions to finish the days. Fantastic cash being made out there. I'm not doing as well as the Pros but it's actually very predictable.
Buy them dips. Also, if you have brass ones, trade the Vix-based ETFs and ETNs. UVXY is one nasty girl.