Investing is about achieving your financial goals, not how much money you've made. You should listen to people who are actually in the trenches fighting the fight every day and not somebody who's in an Ivy tower somewhere. I believe in history has taught me there are times to be bold and there aretimes to be cautious. By the way, it's not about picking the very top of the market and getting back into the very bottom. But you can identify a culture or climate when the markets are overpriced.

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