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<p>[QUOTE=&quot;fatima, post: 1294088, member: 22143&quot;]JustMeJim, in the last 15 years if you had been purchasing AGEs on a regular basis you would have made a lot of money.&nbsp; If instead you had been investing in the S&amp;P 500 you would have made nothing and in fact you would be at a loss now.&nbsp; &nbsp; </p><p><br /></p><p>My advice to someone 15 years from retirement is to do everything you can to get out of debt first.&nbsp;&nbsp; For most people this means paying off their mortgage as soon as possible.&nbsp; When you do this, people will come out of the woodwork to tell you this is a bad idea, but these people are either trying to sell you debt, or are themselves trapped in debt and want validation they are OK.&nbsp; Misery love company and the vampire banksters want you in a situation where they can suck your blood until they put you in a coffin.&nbsp; &nbsp; If you are looking to buy a home, only buy as much as you need and not as much as you can finance.&nbsp; This is the trap they want you in.&nbsp;&nbsp; </p><p><br /></p><p>When my SO and I were in our mid 30s we purchased a home that we could only afford on a 15 year loan and we paid it off in 10 years.&nbsp;&nbsp; This alone was the best financial decision that we could have ever made in our lives.&nbsp;&nbsp; Once this house was paid for, the banksters (BofA) were dismissed and the money that would have been spent on interest went into savings.&nbsp;&nbsp; It&#039;s been a blessing.&nbsp;&nbsp; I was laid off 6 months ago by a corporation who sent my job to India, but because of these decisions, it basically was a non-issue for me. </p><p><br /></p><p>I would also advise to take advantage of any matches that your employer makes to your 401K, but only if the investments are flexable enough to allow some investments that are not subject to the criminal activity that is taking place on wall street.&nbsp;&nbsp; Activity that is going on with the complicity of the people who are supposed to be regulating it.&nbsp;&nbsp; Do a google search on MF Global or read ZeroHedge.com if you want to understand this better.&nbsp;&nbsp; </p><p><br /></p><p>Once you have taken these steps then you should consider setting aside some money for PMs.&nbsp; IMO, gold is the king, but silver is also acceptable in moderation.[/QUOTE]</p><p><br /></p>

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