“Volatility is back,” a Portfolio Manager from First Fiduciary Trust declared at a business lunch last week.  She, and the subsequent panel speakers, were talking about the recent plunges and surges in the stock market.  After more than a year of rising stock prices and very low (if any) volatility in the market, the last couple of weeks have proven that those calm waters may be a thing of the past. Uncertainty once again rules the market, and therefore our financial wellbeing.