THE QUICK FIX

First real estate then the stock market... what's next? The answer - there's no way to know.

It may depend on us; not the "corporate" us, but the" individual "us.

There seems to be a connection between our drive for instant gratification and the trends. As soon as the media (or a friend) tell us of a fast way to make money, we stampede to jump on it. The value skyrockets and we pour more money into it. As the word spreads, more of us get on the band wagon. In a couple of years (if that long), someone mentions the market slowing down. Do we get out? Not yet! Then the "R" word comes out! The spiral down is much quicker than the upward shot. Those of us who tried to hold on, lose.

There is no quick fix for most of us. We, in middle class America, are one paycheck away from the streets. When making financial decisions, we must move cautiously. Use the 24 hour rule - don't act (whether it is a purchase or a sale) without one full day to gather more information, and think it over. If it can't wait 24 hours, do nothing. A bird in the hand IS worth two in the bush.

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