Cyber..Welcome!
This board is kind of a learning experience with investing. You are responsible for your own allocations. We really can't give advise, since we are not certified financial folks. You can ckeck out the leaders of the pack and see how they are investing. I know that you are new. Remember that anything you post, the whole world can see. I would suggest being cautious on revealing any personal information. If you want anything edited or looked into give us a PM. Regards........Spaf
PS: It's easy to know what to do, it's the when that is the great mystery!



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