It was a big day on Wall Street as the Dow closed above the 11,000 mark for the first time since June of 2001. So what does this mean? "Psychologically what it does is it brings the market to the forefront, it puts it in people's minds, it makes people talk about it; when people talk there gets excitement and the market is driven a lot on emotion," says Financial Representative Brian Oswald. An emotion that Oswald warns you must keep in perspective. First you need to find out if your employer offers a match on your workplace retirement contributions. "They should take full advantage of any kind of a matching plan their employer is going to offer and beyond that they should set up some kind of systematic investment plan whether it be $50 a month or $5,000 a month, whatever they can do," says Oswald. Oswald also says you should identify what's important to you and what your financial goals are. He says don't let the fluctuations in the market change your long term perspectives. "Stick to it, do it consistently, and don't change that when the market drops because it will happen," says Oswald. Oswald says folks in the Valley invest as much locally as people do nationally. He reminds you to base your investments on what you read and hear, and not on emotion.