re: #570 zombie

about investments, etc. (I’m not an expert by any means, but here are my thoughts)… If all of your money is tied up in stocks, then clearly, your portfolio is not diversified…that’s not good.

There was a program on PBS a couple of months ago which discussed “Functional Asset Allocation Theory.” (it’s actually, in a way, connected to what the Talmud recommends).. So, imagine a bell curve (or a normal distribution). Now, on the left-hand side is when the economy is in recession (how do you protect yourself from deflation?), on the right-hand side is when the economy is in inflation (how do you protect yourself from inflation?), and the middle portion is when the economy is “just right” (prosperous times) …The trick is to buffer yourself on all three flanks. Thus, the Talmud advises, invest 1/3 in land, invest 1/3 in a business, and have 1/3 stashed in reserves. With regard to the fellow who is tied up in the stock market, perhaps take some of it out (that’s some, not all) and go to a more secure investment — which would be U.S. treasury bonds…at least the return is guaranteed.