Bloody September

I thought I was well diversified and I thought I was safe from the whole credit problem. My retirement has been staying out of stocks since Dec with +11% profit. I took 95% of my money out of my club (options) with +12% profit. They all are going through huge drawdowns and I protected my money well.

The big problem came from the Lumber. It's like a free fall and I'm getting killed. Lumber is well below the cost of production, but still falling. What's funny is I went to local lumber store to get some recommendation about framing companies. The store's manager said lumber price has stayed the same for the whole year? I was thinking, Whah? The futures went from 300 to 200 or -33%, but the lumber material is the same? Furthermore, he said the price of shingles are up because of the oil. Oil was at 150, but now below 100 and that should be -33% or so, but it stayed the same? Who takes all the money then? 

Last month, I had about $8-9K profit, and I lost all in Sept. I'm still +$4K for the year, but was up almost $20K at one point. Of course, there are tons of mutual funds that were shut down or going through -25% YTD, so I'm guessing I'm okay, but it sure tastes sour.