Unfortunately, we are in the midst of a bear market. And this is not good news for investors. They have witnessed the value of their investments decrease, some slowly over time and some overnight. The term bear market came into being, according to Kiplinger online, with early traders in this country that dealt in the buying and selling of animal skins. Traders often sold skins they had not yet bought or received. They were speculating they could buy the items for a price less than that for which they had been sold. If they were not able to buy them...

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