*The opinion warns investors who are too young to remember the 'Black Monday' crash of 1987 that, at some point, the stock market will lose more than 20% of its value in a single day.*

*Today's Stocks & Topics: T - AT&T Inc., FUBO - FuboTV Inc., Thinks to Fix Before Retirement, Home Sales, Most Investors Expect a Market Crash, Master Limited Partnerships, OKE - ONEOK Inc., 1987 Stock Market Crash, IP - International Paper Co., PEN - Penumbra Inc., Share vs. Position, TSCO - Tractor Supply Co.*

*TRIVIA QUESTION: "What is the so-called 'January Effect'? And WHEN was it first noticed-- which YEAR?"*

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