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<p>[QUOTE=&quot;Cloudsweeper99, post: 1354348, member: 3011&quot;]What I do is safer than lump sum investing in gold, and the method has been adjusted over time to match my personal tolerance for volitility.&nbsp; It may not be for everyone, but it works.&nbsp; Nobody should invest in the stock market without an investment philosophy and plan for what they will do in response to market fluctuations.&nbsp; Fear and uncertainty create bargains.&nbsp; Confidence and greed are usually associated with overvaluation.&nbsp; The more people there are with your viewpoint, the higher the probability becomes that I will make money.&nbsp; It is perfectly okay for you to avoid stocks, but all of the talk about rigged markets and permanently low stock prices are just fantasy, and I don&#039;t like to see the younger investors here frightened off of the best investment vehicle available to most people for making money, which is the stock market.[/QUOTE]</p><p><br /></p>

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