The last time the Dow was around 11,800 was in early March 2008.  We have either hit the bottom and will move up, or it is going to continue the down fall.  Tomorrow, it should be an up day as we have had more than a few days of big drops.  The last two trading days were trying to move up but we would have sells at the same time.  If it does fall more, I don’t think we will see much more lowering.  The inflation rate cuts usually take 6-12 months to get into effect.  The rate cuts happened in late December so we should start seeing the results of them very soon.  However, I do believe inflation is going to continue to make its mark and we will see increases in price for all the goods.  If you have cash, it would be a great time to find stocks you like and buy them on the cheap.