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Comments:
 
6/12/15, For me TIME to BUY. Due to the Greek crisis SPY is down ($207). For me it is time to buy SPY, or Sell puts. Within 3 months it will be back to $212 or $213. Then it is time to sell.
 
4/25/15 Within the next 3 months SPY will go down to $206. Then I will be a buyer of the SPY. Same time I will then sell puts on SPY at strike of 206 and time peiod of 9 months from that day, it will have a Delta of about 50. When SPY goes up to 211 I will sell SPY and Buy to close the puts. If market crashes I will keep my SPY and collect 2% dividend every year until it goes up to 211. Also I will have to buy SPY if my put options expire and keep the ones I buy. But I buy SPY at about $10 cheaper than the strike price of the option.
 
10/19/09 Company earnings seem to be good. So I am a buyer of S & P 500 Mutual Fund or the ETF now. Right now S&P 500 is at about 1070. I will be careful when it gets to 1200.
 
10/8/09 What caused economic crash of 2008
 

3/29/08 - Should you sell your stocks at this time?

You should not panic and sell your stocks. Soon it will be a good time to actually buy some more. If you sell now then you will miss the time when it goes back up, since no one can tell when it will go up again. You just have to wait for stocks to hit the bottom then it will be time to buy.
 
Opinions:

Should I buy individual stocks or mutual funds?

Individual stocks are for traders. If you are an investor for the long run you should just buy an indexed mutual fund like S&P 500 (ETF ticker SPY) or Total Stock Market mutual fund and add to it when you have money to invest, then sit back and enjoy life.

SPY will never go to zero unless the entire world economy is destroyed for ever (which will never happen). If it goes down in a crash it mey go down 50% not 100%. In any case it will come back up in a few years like it did in 2008 when SPY went down to about $80 and back up to $180 in 2013. But individual stock like Washington mutual went to zero, and never recovered.

Do not buy individual stoks if are not monitoring your stock all the time, since at any time you stock could crash and if you are not monitering it at that second you might be too late to sell.

What are the reasons for buying Gold

1. Gold is a hedge against inflation. Inflation goes up, so does the value of your gold, but money in the bank will loose its value. CPI is not a good indication of inflation. CPI is 1% but what you buy every week goes up a lot more than that. So real inflation is not 1%.

2. Gold is security against bad news.