It is a well-worn adage that Wall Street doesn’t welcome change. And, change is what we have had lately –lots of it unwelcome— like the banking crisis/credit crunch, rising food costs and oil at $100 a barrel. Add the impending presidential elections into the mix and you have a situation with more uncertainty than investors have experienced for a long time. If experts are floundering, what’s the individual investor to do? Few market pros—if any—offer simple solutions but they do agree on some major points. 

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