One word the experts, the gurus and all the other fools never use is correction. All markets go up and down. It's the way of the world. A market enters a bull phase but it will correct. A market enters a bear phase but it corrects. If you are reading anyone taking about naked short sales or Comex defaults or gold takedowns, if you never hear the word "correction" either the writer is a fool or you are. And in the greatest bull market in history, you are going to lose all your money because at the very top they are going to be telling you to buy.