of course Joyce, I'm not of the school that you don't lose until you sell..
tell that to all those that bought Citigroup at 50 bucks, Bank of America at $75, or AIG at $100 not too long ago, or those that LOST 50%+++ of the value of their homes.. will they also not lose unless they sell?
how about the folks planning on retiring this year or next that can't due to 50%+++ loss in their retirement funds, tell them they haven't lost because they haven't sold.. let them try to retire on that nonsense!
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