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I know some people who think the 401k system is broke because their 401ks depreciated by 50%! Instead of viewing the current crisis as an opportunity (Remember Warren Buffett's recent article "Buy American. I am!") they are viewing it as a failure of the system. All markets have 50% bear markets at some point. This is a historic opportunity. I think that difference in attitude probably goes a long way toward predicting future results. Those who see opportunity vs those who see permanent armageddon.
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skype = "adultdatelink"
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