Alas I am not a designer, I am merely a writer but, I can still perhaps help paint the picture in your collective heads by showing you the following image I found via Google Images.

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Still, I am hostile to one thing, which is trying to use funds to time your way in and out of the market.

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Why am I still thinking about this, past Superstorm Sandy, the presidential election and the (depending on your favorite media outlet) celebratory or soul-searching post-analysis?

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