Of course, you should get right back in with a similar ETF.

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Not all strategies stay fully invested, but if you have a plan that leads you to get out of the market, you should also have a strategy to get back in.

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If you make your regular household purchases on this card, you should be able to get substantial cash back over the course of the year.

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Dr. Turkle says you should tell your loved ones how best to reach you and promise that you will get back to them using that same medium.

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In the future, you should be able to tag that commercial and get something back.

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Now that the feds have re-worked the HARP program to allow borrowers to refinance their mortgages no matter how underwater they might be, you should also consider refinancing your mortgage to make it easier to get back on track.

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Or you could go to Personalfund, plug in your current holdings and get back a list of investments that should--based on historical patterns--balance out your portfolio and reduce the risk that it will underperform the market.

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"When you get to the end of your working life, if you're able, you should start to push something back, " she said.

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