Is the Stock Market Going to Crash Again?_老虎社区_美港股上老虎

Is the Stock Market Going to Crash Again?

Motley Fool2021-11-22

The market will crash again. That is inevitable. The only real question is when will it happen? Let's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation...

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260

sjcy
·2021-11-26
Nobody can time the market but take heart that the stock market always goes up in the long term. If u r an investor, u shldn't be too worried abt short term fluctuations.
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chaicka
·2021-11-23
Great solid advice…
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3
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Markie70
·2021-11-23
Always wise from the fools
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2
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- Kelvin_Qiu:
  [开心]
  2021-11-23
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蓝白红黑的间条衫
·2021-11-22
能在犄角旮旯找到这么一篇文章也不容易，毕竟找了十几年了……😂😂😂
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1
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Dazz
·2021-11-22
No one knows when the crash will come.. but there is a high possibility that some will cash out before the festive season.
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1
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DeepThinking
·2021-11-22
Could be
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1
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Foxie
·2021-11-22
Every 3 months, an article will appear, telling us markets will crash.. but if it is really going to crash, no one is gonna see it coming. Just invest long term, and you will be fine
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7
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HENRYCSC
·2021-11-22
[Evil]
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2
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CoolFox
·2021-11-22
Almost as relevant as asking: is it going to rain?Of course it will, sooner or later… unless you live in a desert/hostile environment.Apply this tot the stocks market and the question becomes: how to get ready for the next cycle?And a short answer could be: diversify your portfolio if your strategy is not “buy and hold”. If you are instead more an investor, then as the saying goes: keep calm and carry on.
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- YorkTurner:
  Does diversified portfolio mean diversified industries?
  2021-11-22
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- Foxie:
  Yes
  2021-11-22
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Billie Lo
·2021-11-22
Christmas is coming I think many ppl will take profit [LOL]
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7
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Sagu
·2021-11-22
Scary. Be prepared mentally. Anything can happen
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2
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- saral:
  Ok
  2021-11-23
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Kel9670ong
·2021-11-22
Huge correction is possible
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3
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james_l
·2021-11-22
Solid advice
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2
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Wtt
·2021-11-22
Hmm
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2
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- Wtt回复Wtt:
  [傲娇]
  2021-11-22
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- Wtt回复Wtt:
  [白眼]
  2021-11-22
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- Wtt回复Wtt:
  [鬼脸]
  2021-11-22
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查看更多 2 条评论
CCCH
·2021-11-22
May not crash, but could be a correction
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5
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myLaohor
·2021-11-22
Crash is not the issue. What important is what took place after the crash
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3
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MBE
·2021-11-22
Hope for the best, prepare for the worst.
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7
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BoonHuat
·2021-11-22
Thanks for sharing.
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3
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GimaGO
·2021-11-22
Get ready for the next crash with ready liquid funds.
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4
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Skyrocketing inflation...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/\">网页链接</a>\n\n</div>\n","source":"fool_stock","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is the Stock Market Going to Crash Again?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs the Stock Market Going to Crash Again?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-22 17:36 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":".IXIC","symbol_name":"NASDAQ Composite","start_time":0,"source_url":"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/","article_id":"2185826772","we_media_id":null,"thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2185826772","pubTimestamp":1637573760,"sourceInfo":{"source_id":"fool_stock","name":"Motley Fool"},"weMediaInfo":null,"summary":"The next market crash is inevitable. Prepare while you can.","collect":0,"end_time":0,"defaultTopTitle":"fool.com","property":[],"viewcount":null,"language":"en","relate_stocks":{".IXIC":"NASDAQ Composite",".SPX":"S&P 500 Index",".DJI":"道琼斯"},"translate_title":"股市又要崩盘了吗？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{".DJI":0.9,".IXIC":0.9,".SPX":0.9},"content_text":"The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation , stretched valuations , and a critical labor shortage  each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.\nJust because the market could crash soon doesn't mean it will, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?\nThat combination of factors makes now one of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no single best path forward and that the right approach could be to build a balance across the five options discussed here.\nNo. 1: Get out of (expensive) debt\nIf the market's massive run has left you in the position where you could pay off your debts, maybe that provides a good opportunity to actually do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?\nIt might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs and cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.\nNo. 2: Build a cash buffer\nIn a world where inflation is running over 6%,  having a lot of cash sitting around earning less than 1%  might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.\nThat said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses  as a reasonable \"goldilocks\" target.\nNo. 3: Plan for the big expenses coming your way soon\nAs a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.\nIt's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.\nNo, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.\nNo. 4: Know a decent estimate of the value of what you own\nUltimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.\nUsing the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.\nIf a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.\nThe beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.\nNo. 5: Invest with the long term in mind\nWith the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.\nThat long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.\nGet ready now for the next crash\nNone of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs  and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.\nBy balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.","kind":null,"is_publish_news":true,"is_publish_highlight":true,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1},"commentList":[{"id":877165544,"gmtCreate":1637899631309,"gmtModify":1637899631574,"author":{"id":"3574851563436207","authorId":"3574851563436207","name":"sjcy","avatar":"https://static.tigerbbs.com/487e7915540a102784b62ddbbb7208f1","vip":1,"crmLevel":2,"crmLevelSwitch":0,"authorIdStr":"3574851563436207","idStr":"3574851563436207"},"htmlText":"Nobody can time the market but take heart that the stock market always goes up in the long term. If u r an investor, u shldn't be too worried abt short term fluctuations.&nbsp;","listText":"Nobody can time the market but take heart that the stock market always goes up in the long term. If u r an investor, u shldn't be too worried abt short term fluctuations.&nbsp;","text":"Nobody can time the market but take heart that the stock market always goes up in the long term. If u r an investor, u shldn't be too worried abt short term fluctuations.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/877165544","repostId":2185826772,"repostType":2,"repost":{"id":"2185826772","pubTimestamp":1637573760,"share":"https://www.laohu8.com/m/news/2185826772?lang=&edition=full","pubTime":"2021-11-22 17:36","market":"us","language":"en","title":"Is the Stock Market Going to Crash Again?","url":"https://stock-news.laohu8.com/highlight/detail?id=2185826772","media":"Motley Fool","summary":"The next market crash is inevitable. Prepare while you can.","content":"<p>The market will crash again. That is inevitable. The only real question is when will it happen?</p>\n<p>Let's be clear: there are <i>lots </i>of reasons to believe the market could crash soon. Skyrocketing inflation&nbsp;, stretched valuations&nbsp;, and a critical labor shortage &nbsp;each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.</p>\n<p>Just because the market <i>could </i>crash soon doesn't mean it <i>will</i>, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?</p>\n<p>That combination of factors makes now <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no <i>single </i>best path forward and that the right approach could be to build a balance across the five options discussed here.</p>\n<h2>No. 1: Get out of (expensive) debt</h2>\n<p>If the market's massive run has left you in the position where you <i>could </i>pay off your debts, maybe that provides a good opportunity to <i>actually </i>do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?</p>\n<p>It might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs <i>and </i>cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.</p>\n<h2>No. 2: Build a cash buffer</h2>\n<p>In a world where inflation is running over 6%, &nbsp;having a lot of cash sitting around earning less than 1% &nbsp;might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.</p>\n<p>That said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses&nbsp; as a reasonable \"goldilocks\" target.</p>\n<h2>No. 3: Plan for the big expenses coming your way soon</h2>\n<p>As a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.</p>\n<p>It's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.</p>\n<p>No, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.</p>\n<h2>No. 4: Know a decent estimate of the value of what you own</h2>\n<p>Ultimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.</p>\n<p>Using the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.</p>\n<p>If a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.</p>\n<p>The beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.</p>\n<h2>No. 5: Invest with the long term in mind</h2>\n<p>With the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.</p>\n<p>That long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.</p>\n<h2>Get ready now for the next crash</h2>\n<p>None of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs &nbsp;and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.</p>\n<p>By balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is the Stock Market Going to Crash Again?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs the Stock Market Going to Crash Again?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-22 17:36 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2185826772","content_text":"The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation , stretched valuations , and a critical labor shortage  each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.\nJust because the market could crash soon doesn't mean it will, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?\nThat combination of factors makes now one of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no single best path forward and that the right approach could be to build a balance across the five options discussed here.\nNo. 1: Get out of (expensive) debt\nIf the market's massive run has left you in the position where you could pay off your debts, maybe that provides a good opportunity to actually do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?\nIt might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs and cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.\nNo. 2: Build a cash buffer\nIn a world where inflation is running over 6%,  having a lot of cash sitting around earning less than 1%  might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.\nThat said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses  as a reasonable \"goldilocks\" target.\nNo. 3: Plan for the big expenses coming your way soon\nAs a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.\nIt's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.\nNo, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.\nNo. 4: Know a decent estimate of the value of what you own\nUltimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.\nUsing the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.\nIf a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.\nThe beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.\nNo. 5: Invest with the long term in mind\nWith the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.\nThat long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.\nGet ready now for the next crash\nNone of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs  and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.\nBy balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":875802705,"gmtCreate":1637629523602,"gmtModify":1637629523740,"author":{"id":"4090019857770890","authorId":"4090019857770890","name":"chaicka","avatar":"https://static.tigerbbs.com/c0c291a2a7983f128cf68e5b01fedd73","vip":1,"crmLevel":6,"crmLevelSwitch":0,"authorIdStr":"4090019857770890","idStr":"4090019857770890"},"htmlText":"Great solid advice…","listText":"Great solid advice…","text":"Great solid advice…","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/875802705","repostId":2185826772,"repostType":4,"repost":{"id":"2185826772","pubTimestamp":1637573760,"share":"https://www.laohu8.com/m/news/2185826772?lang=&edition=full","pubTime":"2021-11-22 17:36","market":"us","language":"en","title":"Is the Stock Market Going to Crash Again?","url":"https://stock-news.laohu8.com/highlight/detail?id=2185826772","media":"Motley Fool","summary":"The next market crash is inevitable. Prepare while you can.","content":"<p>The market will crash again. That is inevitable. The only real question is when will it happen?</p>\n<p>Let's be clear: there are <i>lots </i>of reasons to believe the market could crash soon. Skyrocketing inflation&nbsp;, stretched valuations&nbsp;, and a critical labor shortage &nbsp;each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.</p>\n<p>Just because the market <i>could </i>crash soon doesn't mean it <i>will</i>, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?</p>\n<p>That combination of factors makes now <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no <i>single </i>best path forward and that the right approach could be to build a balance across the five options discussed here.</p>\n<h2>No. 1: Get out of (expensive) debt</h2>\n<p>If the market's massive run has left you in the position where you <i>could </i>pay off your debts, maybe that provides a good opportunity to <i>actually </i>do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?</p>\n<p>It might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs <i>and </i>cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.</p>\n<h2>No. 2: Build a cash buffer</h2>\n<p>In a world where inflation is running over 6%, &nbsp;having a lot of cash sitting around earning less than 1% &nbsp;might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.</p>\n<p>That said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses&nbsp; as a reasonable \"goldilocks\" target.</p>\n<h2>No. 3: Plan for the big expenses coming your way soon</h2>\n<p>As a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.</p>\n<p>It's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.</p>\n<p>No, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.</p>\n<h2>No. 4: Know a decent estimate of the value of what you own</h2>\n<p>Ultimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.</p>\n<p>Using the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.</p>\n<p>If a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.</p>\n<p>The beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.</p>\n<h2>No. 5: Invest with the long term in mind</h2>\n<p>With the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.</p>\n<p>That long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.</p>\n<h2>Get ready now for the next crash</h2>\n<p>None of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs &nbsp;and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.</p>\n<p>By balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is the Stock Market Going to Crash Again?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs the Stock Market Going to Crash Again?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-22 17:36 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2185826772","content_text":"The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation , stretched valuations , and a critical labor shortage  each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.\nJust because the market could crash soon doesn't mean it will, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?\nThat combination of factors makes now one of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no single best path forward and that the right approach could be to build a balance across the five options discussed here.\nNo. 1: Get out of (expensive) debt\nIf the market's massive run has left you in the position where you could pay off your debts, maybe that provides a good opportunity to actually do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?\nIt might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs and cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.\nNo. 2: Build a cash buffer\nIn a world where inflation is running over 6%,  having a lot of cash sitting around earning less than 1%  might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.\nThat said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses  as a reasonable \"goldilocks\" target.\nNo. 3: Plan for the big expenses coming your way soon\nAs a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.\nIt's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.\nNo, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.\nNo. 4: Know a decent estimate of the value of what you own\nUltimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.\nUsing the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.\nIf a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.\nThe beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.\nNo. 5: Invest with the long term in mind\nWith the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.\nThat long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.\nGet ready now for the next crash\nNone of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs  and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.\nBy balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":875342202,"gmtCreate":1637620495097,"gmtModify":1637630778484,"author":{"id":"3571551275892091","authorId":"3571551275892091","name":"Markie70","avatar":"https://static.tigerbbs.com/279effd00c2992400566bbc9a22be29e","vip":1,"crmLevel":7,"crmLevelSwitch":0,"authorIdStr":"3571551275892091","idStr":"3571551275892091"},"htmlText":"Always wise from the fools","listText":"Always wise from the fools","text":"Always wise from the fools","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/875342202","repostId":2185826772,"repostType":4,"repost":{"id":"2185826772","pubTimestamp":1637573760,"share":"https://www.laohu8.com/m/news/2185826772?lang=&edition=full","pubTime":"2021-11-22 17:36","market":"us","language":"en","title":"Is the Stock Market Going to Crash Again?","url":"https://stock-news.laohu8.com/highlight/detail?id=2185826772","media":"Motley Fool","summary":"The next market crash is inevitable. Prepare while you can.","content":"<p>The market will crash again. That is inevitable. The only real question is when will it happen?</p>\n<p>Let's be clear: there are <i>lots </i>of reasons to believe the market could crash soon. Skyrocketing inflation&nbsp;, stretched valuations&nbsp;, and a critical labor shortage &nbsp;each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.</p>\n<p>Just because the market <i>could </i>crash soon doesn't mean it <i>will</i>, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?</p>\n<p>That combination of factors makes now <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no <i>single </i>best path forward and that the right approach could be to build a balance across the five options discussed here.</p>\n<h2>No. 1: Get out of (expensive) debt</h2>\n<p>If the market's massive run has left you in the position where you <i>could </i>pay off your debts, maybe that provides a good opportunity to <i>actually </i>do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?</p>\n<p>It might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs <i>and </i>cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.</p>\n<h2>No. 2: Build a cash buffer</h2>\n<p>In a world where inflation is running over 6%, &nbsp;having a lot of cash sitting around earning less than 1% &nbsp;might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.</p>\n<p>That said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses&nbsp; as a reasonable \"goldilocks\" target.</p>\n<h2>No. 3: Plan for the big expenses coming your way soon</h2>\n<p>As a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.</p>\n<p>It's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.</p>\n<p>No, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.</p>\n<h2>No. 4: Know a decent estimate of the value of what you own</h2>\n<p>Ultimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.</p>\n<p>Using the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.</p>\n<p>If a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.</p>\n<p>The beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.</p>\n<h2>No. 5: Invest with the long term in mind</h2>\n<p>With the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.</p>\n<p>That long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.</p>\n<h2>Get ready now for the next crash</h2>\n<p>None of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs &nbsp;and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.</p>\n<p>By balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is the Stock Market Going to Crash Again?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs the Stock Market Going to Crash Again?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-22 17:36 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2185826772","content_text":"The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation , stretched valuations , and a critical labor shortage  each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.\nJust because the market could crash soon doesn't mean it will, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?\nThat combination of factors makes now one of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no single best path forward and that the right approach could be to build a balance across the five options discussed here.\nNo. 1: Get out of (expensive) debt\nIf the market's massive run has left you in the position where you could pay off your debts, maybe that provides a good opportunity to actually do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?\nIt might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs and cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.\nNo. 2: Build a cash buffer\nIn a world where inflation is running over 6%,  having a lot of cash sitting around earning less than 1%  might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.\nThat said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses  as a reasonable \"goldilocks\" target.\nNo. 3: Plan for the big expenses coming your way soon\nAs a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.\nIt's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.\nNo, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.\nNo. 4: Know a decent estimate of the value of what you own\nUltimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.\nUsing the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.\nIf a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.\nThe beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.\nNo. 5: Invest with the long term in mind\nWith the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.\nThat long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.\nGet ready now for the next crash\nNone of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs  and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.\nBy balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":6690606,"gmtCreate":1637650184658,"gmtModify":1637650184689,"authorId":3581638828642415,"author":{"id":3581638828642415,"idStr":"3581638828642415","authorId":3581638828642415,"name":"Kelvin_Qiu","avatar":"https://static.tigerbbs.com/58df4d9e030a9766be7d0b65f5e798af","vip":1,"crmLevel":4,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":875342202,"type":1,"supId":0,"prevId":0,"content":"[开心]","text":"[开心]","html":"[开心]"}],"langContent":"CN"},{"id":875913732,"gmtCreate":1637594057289,"gmtModify":1637594057289,"author":{"id":"3546057439648684","authorId":"3546057439648684","name":"蓝白红黑的间条衫","avatar":"https://static.tigerbbs.com/64ded5db61c69b7abc937bc62d16afdd","vip":1,"crmLevel":1,"crmLevelSwitch":1,"authorIdStr":"3546057439648684","idStr":"3546057439648684"},"htmlText":"能在犄角旮旯找到这么一篇文章也不容易，毕竟找了十几年了……😂😂😂","listText":"能在犄角旮旯找到这么一篇文章也不容易，毕竟找了十几年了……😂😂😂","text":"能在犄角旮旯找到这么一篇文章也不容易，毕竟找了十几年了……😂😂😂","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/875913732","repostId":2185826772,"repostType":2,"repost":{"id":"2185826772","pubTimestamp":1637573760,"share":"https://www.laohu8.com/m/news/2185826772?lang=&edition=full","pubTime":"2021-11-22 17:36","market":"us","language":"en","title":"Is the Stock Market Going to Crash Again?","url":"https://stock-news.laohu8.com/highlight/detail?id=2185826772","media":"Motley Fool","summary":"The next market crash is inevitable. Prepare while you can.","content":"<p>The market will crash again. That is inevitable. The only real question is when will it happen?</p>\n<p>Let's be clear: there are <i>lots </i>of reasons to believe the market could crash soon. Skyrocketing inflation&nbsp;, stretched valuations&nbsp;, and a critical labor shortage &nbsp;each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.</p>\n<p>Just because the market <i>could </i>crash soon doesn't mean it <i>will</i>, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?</p>\n<p>That combination of factors makes now <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no <i>single </i>best path forward and that the right approach could be to build a balance across the five options discussed here.</p>\n<h2>No. 1: Get out of (expensive) debt</h2>\n<p>If the market's massive run has left you in the position where you <i>could </i>pay off your debts, maybe that provides a good opportunity to <i>actually </i>do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?</p>\n<p>It might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs <i>and </i>cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.</p>\n<h2>No. 2: Build a cash buffer</h2>\n<p>In a world where inflation is running over 6%, &nbsp;having a lot of cash sitting around earning less than 1% &nbsp;might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.</p>\n<p>That said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses&nbsp; as a reasonable \"goldilocks\" target.</p>\n<h2>No. 3: Plan for the big expenses coming your way soon</h2>\n<p>As a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.</p>\n<p>It's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.</p>\n<p>No, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.</p>\n<h2>No. 4: Know a decent estimate of the value of what you own</h2>\n<p>Ultimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.</p>\n<p>Using the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.</p>\n<p>If a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.</p>\n<p>The beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.</p>\n<h2>No. 5: Invest with the long term in mind</h2>\n<p>With the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.</p>\n<p>That long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.</p>\n<h2>Get ready now for the next crash</h2>\n<p>None of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs &nbsp;and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.</p>\n<p>By balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is the Stock Market Going to Crash Again?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs the Stock Market Going to Crash Again?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-22 17:36 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2185826772","content_text":"The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation , stretched valuations , and a critical labor shortage  each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.\nJust because the market could crash soon doesn't mean it will, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?\nThat combination of factors makes now one of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no single best path forward and that the right approach could be to build a balance across the five options discussed here.\nNo. 1: Get out of (expensive) debt\nIf the market's massive run has left you in the position where you could pay off your debts, maybe that provides a good opportunity to actually do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?\nIt might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs and cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.\nNo. 2: Build a cash buffer\nIn a world where inflation is running over 6%,  having a lot of cash sitting around earning less than 1%  might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.\nThat said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses  as a reasonable \"goldilocks\" target.\nNo. 3: Plan for the big expenses coming your way soon\nAs a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.\nIt's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.\nNo, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.\nNo. 4: Know a decent estimate of the value of what you own\nUltimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.\nUsing the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.\nIf a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.\nThe beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.\nNo. 5: Invest with the long term in mind\nWith the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.\nThat long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.\nGet ready now for the next crash\nNone of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs  and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.\nBy balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":875040915,"gmtCreate":1637591807284,"gmtModify":1637591807380,"author":{"id":"3580043263355101","authorId":"3580043263355101","name":"Dazz","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":4,"crmLevelSwitch":0,"authorIdStr":"3580043263355101","idStr":"3580043263355101"},"htmlText":"No one knows when the crash will come.. but there is a high possibility that some will cash out before the festive season.","listText":"No one knows when the crash will come.. but there is a high possibility that some will cash out before the festive season.","text":"No one knows when the crash will come.. but there is a high possibility that some will cash out before the festive season.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/875040915","repostId":2185826772,"repostType":4,"repost":{"id":"2185826772","pubTimestamp":1637573760,"share":"https://www.laohu8.com/m/news/2185826772?lang=&edition=full","pubTime":"2021-11-22 17:36","market":"us","language":"en","title":"Is the Stock Market Going to Crash Again?","url":"https://stock-news.laohu8.com/highlight/detail?id=2185826772","media":"Motley Fool","summary":"The next market crash is inevitable. Prepare while you can.","content":"<p>The market will crash again. That is inevitable. The only real question is when will it happen?</p>\n<p>Let's be clear: there are <i>lots </i>of reasons to believe the market could crash soon. Skyrocketing inflation&nbsp;, stretched valuations&nbsp;, and a critical labor shortage &nbsp;each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.</p>\n<p>Just because the market <i>could </i>crash soon doesn't mean it <i>will</i>, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?</p>\n<p>That combination of factors makes now <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no <i>single </i>best path forward and that the right approach could be to build a balance across the five options discussed here.</p>\n<h2>No. 1: Get out of (expensive) debt</h2>\n<p>If the market's massive run has left you in the position where you <i>could </i>pay off your debts, maybe that provides a good opportunity to <i>actually </i>do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?</p>\n<p>It might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs <i>and </i>cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.</p>\n<h2>No. 2: Build a cash buffer</h2>\n<p>In a world where inflation is running over 6%, &nbsp;having a lot of cash sitting around earning less than 1% &nbsp;might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.</p>\n<p>That said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses&nbsp; as a reasonable \"goldilocks\" target.</p>\n<h2>No. 3: Plan for the big expenses coming your way soon</h2>\n<p>As a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.</p>\n<p>It's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.</p>\n<p>No, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.</p>\n<h2>No. 4: Know a decent estimate of the value of what you own</h2>\n<p>Ultimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.</p>\n<p>Using the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.</p>\n<p>If a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.</p>\n<p>The beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.</p>\n<h2>No. 5: Invest with the long term in mind</h2>\n<p>With the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.</p>\n<p>That long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.</p>\n<h2>Get ready now for the next crash</h2>\n<p>None of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs &nbsp;and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.</p>\n<p>By balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is the Stock Market Going to Crash Again?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs the Stock Market Going to Crash Again?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-22 17:36 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2185826772","content_text":"The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation , stretched valuations , and a critical labor shortage  each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.\nJust because the market could crash soon doesn't mean it will, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?\nThat combination of factors makes now one of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no single best path forward and that the right approach could be to build a balance across the five options discussed here.\nNo. 1: Get out of (expensive) debt\nIf the market's massive run has left you in the position where you could pay off your debts, maybe that provides a good opportunity to actually do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?\nIt might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs and cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.\nNo. 2: Build a cash buffer\nIn a world where inflation is running over 6%,  having a lot of cash sitting around earning less than 1%  might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.\nThat said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses  as a reasonable \"goldilocks\" target.\nNo. 3: Plan for the big expenses coming your way soon\nAs a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.\nIt's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.\nNo, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.\nNo. 4: Know a decent estimate of the value of what you own\nUltimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.\nUsing the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.\nIf a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.\nThe beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.\nNo. 5: Invest with the long term in mind\nWith the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.\nThat long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.\nGet ready now for the next crash\nNone of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs  and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.\nBy balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":875066049,"gmtCreate":1637589444956,"gmtModify":1637589444956,"author":{"id":"3578055160103395","authorId":"3578055160103395","name":"DeepThinking","avatar":"https://static.tigerbbs.com/f69082e63612c4918ec5c25634c03c4b","vip":1,"crmLevel":1,"crmLevelSwitch":0,"authorIdStr":"3578055160103395","idStr":"3578055160103395"},"htmlText":"Could be","listText":"Could be","text":"Could be","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/875066049","repostId":2185826772,"repostType":4,"repost":{"id":"2185826772","pubTimestamp":1637573760,"share":"https://www.laohu8.com/m/news/2185826772?lang=&edition=full","pubTime":"2021-11-22 17:36","market":"us","language":"en","title":"Is the Stock Market Going to Crash Again?","url":"https://stock-news.laohu8.com/highlight/detail?id=2185826772","media":"Motley Fool","summary":"The next market crash is inevitable. Prepare while you can.","content":"<p>The market will crash again. That is inevitable. The only real question is when will it happen?</p>\n<p>Let's be clear: there are <i>lots </i>of reasons to believe the market could crash soon. Skyrocketing inflation&nbsp;, stretched valuations&nbsp;, and a critical labor shortage &nbsp;each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.</p>\n<p>Just because the market <i>could </i>crash soon doesn't mean it <i>will</i>, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?</p>\n<p>That combination of factors makes now <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no <i>single </i>best path forward and that the right approach could be to build a balance across the five options discussed here.</p>\n<h2>No. 1: Get out of (expensive) debt</h2>\n<p>If the market's massive run has left you in the position where you <i>could </i>pay off your debts, maybe that provides a good opportunity to <i>actually </i>do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?</p>\n<p>It might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs <i>and </i>cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.</p>\n<h2>No. 2: Build a cash buffer</h2>\n<p>In a world where inflation is running over 6%, &nbsp;having a lot of cash sitting around earning less than 1% &nbsp;might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.</p>\n<p>That said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses&nbsp; as a reasonable \"goldilocks\" target.</p>\n<h2>No. 3: Plan for the big expenses coming your way soon</h2>\n<p>As a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.</p>\n<p>It's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.</p>\n<p>No, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.</p>\n<h2>No. 4: Know a decent estimate of the value of what you own</h2>\n<p>Ultimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.</p>\n<p>Using the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.</p>\n<p>If a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.</p>\n<p>The beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.</p>\n<h2>No. 5: Invest with the long term in mind</h2>\n<p>With the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.</p>\n<p>That long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.</p>\n<h2>Get ready now for the next crash</h2>\n<p>None of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs &nbsp;and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.</p>\n<p>By balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is the Stock Market Going to Crash Again?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs the Stock Market Going to Crash Again?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-22 17:36 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2185826772","content_text":"The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation , stretched valuations , and a critical labor shortage  each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.\nJust because the market could crash soon doesn't mean it will, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?\nThat combination of factors makes now one of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no single best path forward and that the right approach could be to build a balance across the five options discussed here.\nNo. 1: Get out of (expensive) debt\nIf the market's massive run has left you in the position where you could pay off your debts, maybe that provides a good opportunity to actually do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?\nIt might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs and cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.\nNo. 2: Build a cash buffer\nIn a world where inflation is running over 6%,  having a lot of cash sitting around earning less than 1%  might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.\nThat said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses  as a reasonable \"goldilocks\" target.\nNo. 3: Plan for the big expenses coming your way soon\nAs a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.\nIt's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.\nNo, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.\nNo. 4: Know a decent estimate of the value of what you own\nUltimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.\nUsing the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.\nIf a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.\nThe beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.\nNo. 5: Invest with the long term in mind\nWith the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.\nThat long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.\nGet ready now for the next crash\nNone of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs  and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.\nBy balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":875036368,"gmtCreate":1637585878068,"gmtModify":1637585878367,"author":{"id":"3572988793196593","authorId":"3572988793196593","name":"Foxie","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":2,"crmLevelSwitch":0,"authorIdStr":"3572988793196593","idStr":"3572988793196593"},"htmlText":"Every 3 months, an article will appear, telling us markets will crash.. but if it is really going to crash, no one is gonna see&nbsp;it coming.&nbsp;Just invest long&nbsp;term, and you will be fine&nbsp;","listText":"Every 3 months, an article will appear, telling us markets will crash.. but if it is really going to crash, no one is gonna see&nbsp;it coming.&nbsp;Just invest long&nbsp;term, and you will be fine&nbsp;","text":"Every 3 months, an article will appear, telling us markets will crash.. but if it is really going to crash, no one is gonna see it coming. Just invest long term, and you will be fine","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":7,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/875036368","repostId":2185826772,"repostType":4,"repost":{"id":"2185826772","pubTimestamp":1637573760,"share":"https://www.laohu8.com/m/news/2185826772?lang=&edition=full","pubTime":"2021-11-22 17:36","market":"us","language":"en","title":"Is the Stock Market Going to Crash Again?","url":"https://stock-news.laohu8.com/highlight/detail?id=2185826772","media":"Motley Fool","summary":"The next market crash is inevitable. Prepare while you can.","content":"<p>The market will crash again. That is inevitable. The only real question is when will it happen?</p>\n<p>Let's be clear: there are <i>lots </i>of reasons to believe the market could crash soon. Skyrocketing inflation&nbsp;, stretched valuations&nbsp;, and a critical labor shortage &nbsp;each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.</p>\n<p>Just because the market <i>could </i>crash soon doesn't mean it <i>will</i>, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?</p>\n<p>That combination of factors makes now <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no <i>single </i>best path forward and that the right approach could be to build a balance across the five options discussed here.</p>\n<h2>No. 1: Get out of (expensive) debt</h2>\n<p>If the market's massive run has left you in the position where you <i>could </i>pay off your debts, maybe that provides a good opportunity to <i>actually </i>do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?</p>\n<p>It might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs <i>and </i>cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.</p>\n<h2>No. 2: Build a cash buffer</h2>\n<p>In a world where inflation is running over 6%, &nbsp;having a lot of cash sitting around earning less than 1% &nbsp;might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.</p>\n<p>That said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses&nbsp; as a reasonable \"goldilocks\" target.</p>\n<h2>No. 3: Plan for the big expenses coming your way soon</h2>\n<p>As a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.</p>\n<p>It's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.</p>\n<p>No, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.</p>\n<h2>No. 4: Know a decent estimate of the value of what you own</h2>\n<p>Ultimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.</p>\n<p>Using the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.</p>\n<p>If a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.</p>\n<p>The beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.</p>\n<h2>No. 5: Invest with the long term in mind</h2>\n<p>With the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.</p>\n<p>That long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.</p>\n<h2>Get ready now for the next crash</h2>\n<p>None of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs &nbsp;and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.</p>\n<p>By balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is the Stock Market Going to Crash Again?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs the Stock Market Going to Crash Again?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-22 17:36 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2185826772","content_text":"The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation , stretched valuations , and a critical labor shortage  each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.\nJust because the market could crash soon doesn't mean it will, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?\nThat combination of factors makes now one of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no single best path forward and that the right approach could be to build a balance across the five options discussed here.\nNo. 1: Get out of (expensive) debt\nIf the market's massive run has left you in the position where you could pay off your debts, maybe that provides a good opportunity to actually do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?\nIt might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs and cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.\nNo. 2: Build a cash buffer\nIn a world where inflation is running over 6%,  having a lot of cash sitting around earning less than 1%  might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.\nThat said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses  as a reasonable \"goldilocks\" target.\nNo. 3: Plan for the big expenses coming your way soon\nAs a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.\nIt's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.\nNo, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.\nNo. 4: Know a decent estimate of the value of what you own\nUltimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.\nUsing the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.\nIf a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.\nThe beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.\nNo. 5: Invest with the long term in mind\nWith the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.\nThat long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.\nGet ready now for the next crash\nNone of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs  and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.\nBy balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":875031675,"gmtCreate":1637585640291,"gmtModify":1637585642071,"author":{"id":"3575091428590185","authorId":"3575091428590185","name":"HENRYCSC","avatar":"https://static.tigerbbs.com/6d47a6dec25b21dc547a5b982674c499","vip":1,"crmLevel":2,"crmLevelSwitch":0,"authorIdStr":"3575091428590185","idStr":"3575091428590185"},"htmlText":"[Evil]&nbsp;","listText":"[Evil]&nbsp;","text":"[Evil]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/875031675","repostId":2185826772,"repostType":4,"repost":{"id":"2185826772","pubTimestamp":1637573760,"share":"https://www.laohu8.com/m/news/2185826772?lang=&edition=full","pubTime":"2021-11-22 17:36","market":"us","language":"en","title":"Is the Stock Market Going to Crash Again?","url":"https://stock-news.laohu8.com/highlight/detail?id=2185826772","media":"Motley Fool","summary":"The next market crash is inevitable. Prepare while you can.","content":"<p>The market will crash again. That is inevitable. The only real question is when will it happen?</p>\n<p>Let's be clear: there are <i>lots </i>of reasons to believe the market could crash soon. Skyrocketing inflation&nbsp;, stretched valuations&nbsp;, and a critical labor shortage &nbsp;each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.</p>\n<p>Just because the market <i>could </i>crash soon doesn't mean it <i>will</i>, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?</p>\n<p>That combination of factors makes now <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no <i>single </i>best path forward and that the right approach could be to build a balance across the five options discussed here.</p>\n<h2>No. 1: Get out of (expensive) debt</h2>\n<p>If the market's massive run has left you in the position where you <i>could </i>pay off your debts, maybe that provides a good opportunity to <i>actually </i>do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?</p>\n<p>It might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs <i>and </i>cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.</p>\n<h2>No. 2: Build a cash buffer</h2>\n<p>In a world where inflation is running over 6%, &nbsp;having a lot of cash sitting around earning less than 1% &nbsp;might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.</p>\n<p>That said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses&nbsp; as a reasonable \"goldilocks\" target.</p>\n<h2>No. 3: Plan for the big expenses coming your way soon</h2>\n<p>As a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.</p>\n<p>It's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.</p>\n<p>No, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.</p>\n<h2>No. 4: Know a decent estimate of the value of what you own</h2>\n<p>Ultimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.</p>\n<p>Using the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.</p>\n<p>If a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.</p>\n<p>The beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.</p>\n<h2>No. 5: Invest with the long term in mind</h2>\n<p>With the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.</p>\n<p>That long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.</p>\n<h2>Get ready now for the next crash</h2>\n<p>None of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs &nbsp;and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.</p>\n<p>By balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is the Stock Market Going to Crash Again?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs the Stock Market Going to Crash Again?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-22 17:36 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2185826772","content_text":"The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation , stretched valuations , and a critical labor shortage  each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.\nJust because the market could crash soon doesn't mean it will, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?\nThat combination of factors makes now one of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no single best path forward and that the right approach could be to build a balance across the five options discussed here.\nNo. 1: Get out of (expensive) debt\nIf the market's massive run has left you in the position where you could pay off your debts, maybe that provides a good opportunity to actually do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?\nIt might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs and cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.\nNo. 2: Build a cash buffer\nIn a world where inflation is running over 6%,  having a lot of cash sitting around earning less than 1%  might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.\nThat said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses  as a reasonable \"goldilocks\" target.\nNo. 3: Plan for the big expenses coming your way soon\nAs a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.\nIt's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.\nNo, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.\nNo. 4: Know a decent estimate of the value of what you own\nUltimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.\nUsing the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.\nIf a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.\nThe beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.\nNo. 5: Invest with the long term in mind\nWith the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.\nThat long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.\nGet ready now for the next crash\nNone of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs  and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.\nBy balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":875039416,"gmtCreate":1637585440284,"gmtModify":1637585440433,"author":{"id":"3584782885850103","authorId":"3584782885850103","name":"CoolFox","avatar":"https://static.tigerbbs.com/53ed2b2a4ca54289d3bee0a3310b5704","vip":1,"crmLevel":2,"crmLevelSwitch":0,"authorIdStr":"3584782885850103","idStr":"3584782885850103"},"htmlText":"Almost as relevant as asking: is it going to rain?Of course it will, sooner or later… unless you live in a desert/hostile environment.Apply this tot the stocks&nbsp;market&nbsp;and the question becomes: how to get ready for the next cycle?And a short answer could be: diversify your portfolio if your strategy is not “buy and hold”. If you are instead more an investor, then as the saying goes: keep calm and carry on.","listText":"Almost as relevant as asking: is it going to rain?Of course it will, sooner or later… unless you live in a desert/hostile environment.Apply this tot the stocks&nbsp;market&nbsp;and the question becomes: how to get ready for the next cycle?And a short answer could be: diversify your portfolio if your strategy is not “buy and hold”. If you are instead more an investor, then as the saying goes: keep calm and carry on.","text":"Almost as relevant as asking: is it going to rain?Of course it will, sooner or later… unless you live in a desert/hostile environment.Apply this tot the stocks market and the question becomes: how to get ready for the next cycle?And a short answer could be: diversify your portfolio if your strategy is not “buy and hold”. If you are instead more an investor, then as the saying goes: keep calm and carry on.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":2,"repostSize":0,"link":"https://laohu8.com/post/875039416","repostId":2185826772,"repostType":4,"repost":{"id":"2185826772","pubTimestamp":1637573760,"share":"https://www.laohu8.com/m/news/2185826772?lang=&edition=full","pubTime":"2021-11-22 17:36","market":"us","language":"en","title":"Is the Stock Market Going to Crash Again?","url":"https://stock-news.laohu8.com/highlight/detail?id=2185826772","media":"Motley Fool","summary":"The next market crash is inevitable. Prepare while you can.","content":"<p>The market will crash again. That is inevitable. The only real question is when will it happen?</p>\n<p>Let's be clear: there are <i>lots </i>of reasons to believe the market could crash soon. Skyrocketing inflation&nbsp;, stretched valuations&nbsp;, and a critical labor shortage &nbsp;each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.</p>\n<p>Just because the market <i>could </i>crash soon doesn't mean it <i>will</i>, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?</p>\n<p>That combination of factors makes now <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no <i>single </i>best path forward and that the right approach could be to build a balance across the five options discussed here.</p>\n<h2>No. 1: Get out of (expensive) debt</h2>\n<p>If the market's massive run has left you in the position where you <i>could </i>pay off your debts, maybe that provides a good opportunity to <i>actually </i>do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?</p>\n<p>It might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs <i>and </i>cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.</p>\n<h2>No. 2: Build a cash buffer</h2>\n<p>In a world where inflation is running over 6%, &nbsp;having a lot of cash sitting around earning less than 1% &nbsp;might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.</p>\n<p>That said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses&nbsp; as a reasonable \"goldilocks\" target.</p>\n<h2>No. 3: Plan for the big expenses coming your way soon</h2>\n<p>As a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.</p>\n<p>It's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.</p>\n<p>No, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.</p>\n<h2>No. 4: Know a decent estimate of the value of what you own</h2>\n<p>Ultimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.</p>\n<p>Using the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.</p>\n<p>If a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.</p>\n<p>The beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.</p>\n<h2>No. 5: Invest with the long term in mind</h2>\n<p>With the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.</p>\n<p>That long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.</p>\n<h2>Get ready now for the next crash</h2>\n<p>None of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs &nbsp;and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.</p>\n<p>By balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is the Stock Market Going to Crash Again?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs the Stock Market Going to Crash Again?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-22 17:36 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2185826772","content_text":"The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation , stretched valuations , and a critical labor shortage  each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.\nJust because the market could crash soon doesn't mean it will, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?\nThat combination of factors makes now one of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no single best path forward and that the right approach could be to build a balance across the five options discussed here.\nNo. 1: Get out of (expensive) debt\nIf the market's massive run has left you in the position where you could pay off your debts, maybe that provides a good opportunity to actually do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?\nIt might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs and cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.\nNo. 2: Build a cash buffer\nIn a world where inflation is running over 6%,  having a lot of cash sitting around earning less than 1%  might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.\nThat said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses  as a reasonable \"goldilocks\" target.\nNo. 3: Plan for the big expenses coming your way soon\nAs a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.\nIt's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.\nNo, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.\nNo. 4: Know a decent estimate of the value of what you own\nUltimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.\nUsing the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.\nIf a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.\nThe beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.\nNo. 5: Invest with the long term in mind\nWith the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.\nThat long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.\nGet ready now for the next crash\nNone of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs  and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.\nBy balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":6679893,"gmtCreate":1637589413375,"gmtModify":1637589413375,"authorId":9000000000000340,"author":{"id":9000000000000340,"idStr":"9000000000000340","authorId":9000000000000340,"name":"YorkTurner","avatar":"https://static.tigerbbs.com/56e720c7d3a4835efa4409feb9b8f386","vip":8,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":875039416,"type":1,"supId":0,"prevId":0,"content":"Does diversified portfolio mean diversified industries?","text":"Does diversified portfolio mean diversified industries?","html":"Does diversified portfolio mean diversified industries?"},{"id":6679352,"gmtCreate":1637585887772,"gmtModify":1637585887802,"authorId":3572988793196593,"author":{"id":3572988793196593,"idStr":"3572988793196593","authorId":3572988793196593,"name":"Foxie","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":875039416,"type":1,"supId":0,"prevId":0,"content":"Yes","text":"Yes","html":"Yes"}],"langContent":"CN"},{"id":875095112,"gmtCreate":1637584969549,"gmtModify":1637584969549,"author":{"id":"3569982147441048","authorId":"3569982147441048","name":"Billie Lo","avatar":"https://static.tigerbbs.com/2de8913068819a9735f0bb22ec7a5e72","vip":1,"crmLevel":3,"crmLevelSwitch":0,"authorIdStr":"3569982147441048","idStr":"3569982147441048"},"htmlText":"Christmas is coming I think many ppl will take profit [LOL]&nbsp;","listText":"Christmas is coming I think many ppl will take profit [LOL]&nbsp;","text":"Christmas is coming I think many ppl will take profit [LOL]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":7,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/875095112","repostId":2185826772,"repostType":4,"repost":{"id":"2185826772","pubTimestamp":1637573760,"share":"https://www.laohu8.com/m/news/2185826772?lang=&edition=full","pubTime":"2021-11-22 17:36","market":"us","language":"en","title":"Is the Stock Market Going to Crash Again?","url":"https://stock-news.laohu8.com/highlight/detail?id=2185826772","media":"Motley Fool","summary":"The next market crash is inevitable. Prepare while you can.","content":"<p>The market will crash again. That is inevitable. The only real question is when will it happen?</p>\n<p>Let's be clear: there are <i>lots </i>of reasons to believe the market could crash soon. Skyrocketing inflation&nbsp;, stretched valuations&nbsp;, and a critical labor shortage &nbsp;each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.</p>\n<p>Just because the market <i>could </i>crash soon doesn't mean it <i>will</i>, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?</p>\n<p>That combination of factors makes now <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no <i>single </i>best path forward and that the right approach could be to build a balance across the five options discussed here.</p>\n<h2>No. 1: Get out of (expensive) debt</h2>\n<p>If the market's massive run has left you in the position where you <i>could </i>pay off your debts, maybe that provides a good opportunity to <i>actually </i>do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?</p>\n<p>It might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs <i>and </i>cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.</p>\n<h2>No. 2: Build a cash buffer</h2>\n<p>In a world where inflation is running over 6%, &nbsp;having a lot of cash sitting around earning less than 1% &nbsp;might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.</p>\n<p>That said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses&nbsp; as a reasonable \"goldilocks\" target.</p>\n<h2>No. 3: Plan for the big expenses coming your way soon</h2>\n<p>As a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.</p>\n<p>It's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.</p>\n<p>No, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.</p>\n<h2>No. 4: Know a decent estimate of the value of what you own</h2>\n<p>Ultimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.</p>\n<p>Using the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.</p>\n<p>If a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.</p>\n<p>The beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.</p>\n<h2>No. 5: Invest with the long term in mind</h2>\n<p>With the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.</p>\n<p>That long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.</p>\n<h2>Get ready now for the next crash</h2>\n<p>None of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs &nbsp;and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.</p>\n<p>By balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is the Stock Market Going to Crash Again?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs the Stock Market Going to Crash Again?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-22 17:36 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2185826772","content_text":"The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation , stretched valuations , and a critical labor shortage  each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.\nJust because the market could crash soon doesn't mean it will, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?\nThat combination of factors makes now one of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no single best path forward and that the right approach could be to build a balance across the five options discussed here.\nNo. 1: Get out of (expensive) debt\nIf the market's massive run has left you in the position where you could pay off your debts, maybe that provides a good opportunity to actually do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?\nIt might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs and cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.\nNo. 2: Build a cash buffer\nIn a world where inflation is running over 6%,  having a lot of cash sitting around earning less than 1%  might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.\nThat said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses  as a reasonable \"goldilocks\" target.\nNo. 3: Plan for the big expenses coming your way soon\nAs a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.\nIt's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.\nNo, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.\nNo. 4: Know a decent estimate of the value of what you own\nUltimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.\nUsing the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.\nIf a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.\nThe beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.\nNo. 5: Invest with the long term in mind\nWith the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.\nThat long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.\nGet ready now for the next crash\nNone of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs  and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.\nBy balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":875092167,"gmtCreate":1637584867304,"gmtModify":1637584867457,"author":{"id":"4091884668412330","authorId":"4091884668412330","name":"Sagu","avatar":"https://static.tigerbbs.com/3aaf50a784d504c2e98ff3a8e898a5b3","vip":1,"crmLevel":2,"crmLevelSwitch":0,"authorIdStr":"4091884668412330","idStr":"4091884668412330"},"htmlText":"Scary. Be prepared mentally. Anything can happen&nbsp;","listText":"Scary. Be prepared mentally. Anything can happen&nbsp;","text":"Scary. Be prepared mentally. Anything can happen","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/875092167","repostId":2185826772,"repostType":4,"repost":{"id":"2185826772","pubTimestamp":1637573760,"share":"https://www.laohu8.com/m/news/2185826772?lang=&edition=full","pubTime":"2021-11-22 17:36","market":"us","language":"en","title":"Is the Stock Market Going to Crash Again?","url":"https://stock-news.laohu8.com/highlight/detail?id=2185826772","media":"Motley Fool","summary":"The next market crash is inevitable. Prepare while you can.","content":"<p>The market will crash again. That is inevitable. The only real question is when will it happen?</p>\n<p>Let's be clear: there are <i>lots </i>of reasons to believe the market could crash soon. Skyrocketing inflation&nbsp;, stretched valuations&nbsp;, and a critical labor shortage &nbsp;each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.</p>\n<p>Just because the market <i>could </i>crash soon doesn't mean it <i>will</i>, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?</p>\n<p>That combination of factors makes now <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no <i>single </i>best path forward and that the right approach could be to build a balance across the five options discussed here.</p>\n<h2>No. 1: Get out of (expensive) debt</h2>\n<p>If the market's massive run has left you in the position where you <i>could </i>pay off your debts, maybe that provides a good opportunity to <i>actually </i>do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?</p>\n<p>It might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs <i>and </i>cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.</p>\n<h2>No. 2: Build a cash buffer</h2>\n<p>In a world where inflation is running over 6%, &nbsp;having a lot of cash sitting around earning less than 1% &nbsp;might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.</p>\n<p>That said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses&nbsp; as a reasonable \"goldilocks\" target.</p>\n<h2>No. 3: Plan for the big expenses coming your way soon</h2>\n<p>As a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.</p>\n<p>It's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.</p>\n<p>No, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.</p>\n<h2>No. 4: Know a decent estimate of the value of what you own</h2>\n<p>Ultimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.</p>\n<p>Using the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.</p>\n<p>If a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.</p>\n<p>The beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.</p>\n<h2>No. 5: Invest with the long term in mind</h2>\n<p>With the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.</p>\n<p>That long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.</p>\n<h2>Get ready now for the next crash</h2>\n<p>None of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs &nbsp;and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.</p>\n<p>By balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is the Stock Market Going to Crash Again?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs the Stock Market Going to Crash Again?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-22 17:36 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2185826772","content_text":"The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation , stretched valuations , and a critical labor shortage  each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.\nJust because the market could crash soon doesn't mean it will, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?\nThat combination of factors makes now one of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no single best path forward and that the right approach could be to build a balance across the five options discussed here.\nNo. 1: Get out of (expensive) debt\nIf the market's massive run has left you in the position where you could pay off your debts, maybe that provides a good opportunity to actually do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?\nIt might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs and cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.\nNo. 2: Build a cash buffer\nIn a world where inflation is running over 6%,  having a lot of cash sitting around earning less than 1%  might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.\nThat said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses  as a reasonable \"goldilocks\" target.\nNo. 3: Plan for the big expenses coming your way soon\nAs a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.\nIt's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.\nNo, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.\nNo. 4: Know a decent estimate of the value of what you own\nUltimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.\nUsing the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.\nIf a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.\nThe beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.\nNo. 5: Invest with the long term in mind\nWith the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.\nThat long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.\nGet ready now for the next crash\nNone of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs  and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.\nBy balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":6685607,"gmtCreate":1637626377811,"gmtModify":1637626377843,"authorId":3568944508199908,"author":{"id":3568944508199908,"idStr":"3568944508199908","authorId":3568944508199908,"name":"saral","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":6,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":875092167,"type":1,"supId":0,"prevId":0,"content":"Ok","text":"Ok","html":"Ok"}],"langContent":"CN"},{"id":875093045,"gmtCreate":1637584375339,"gmtModify":1637584375673,"author":{"id":"3578468158955348","authorId":"3578468158955348","name":"Kel9670ong","avatar":"https://static.tigerbbs.com/bd86c42e207fbd94e7f8877a29457d71","vip":1,"crmLevel":2,"crmLevelSwitch":0,"authorIdStr":"3578468158955348","idStr":"3578468158955348"},"htmlText":"Huge correction is possible","listText":"Huge correction is possible","text":"Huge correction is possible","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/875093045","repostId":2185826772,"repostType":4,"repost":{"id":"2185826772","pubTimestamp":1637573760,"share":"https://www.laohu8.com/m/news/2185826772?lang=&edition=full","pubTime":"2021-11-22 17:36","market":"us","language":"en","title":"Is the Stock Market Going to Crash Again?","url":"https://stock-news.laohu8.com/highlight/detail?id=2185826772","media":"Motley Fool","summary":"The next market crash is inevitable. Prepare while you can.","content":"<p>The market will crash again. That is inevitable. The only real question is when will it happen?</p>\n<p>Let's be clear: there are <i>lots </i>of reasons to believe the market could crash soon. Skyrocketing inflation&nbsp;, stretched valuations&nbsp;, and a critical labor shortage &nbsp;each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.</p>\n<p>Just because the market <i>could </i>crash soon doesn't mean it <i>will</i>, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?</p>\n<p>That combination of factors makes now <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no <i>single </i>best path forward and that the right approach could be to build a balance across the five options discussed here.</p>\n<h2>No. 1: Get out of (expensive) debt</h2>\n<p>If the market's massive run has left you in the position where you <i>could </i>pay off your debts, maybe that provides a good opportunity to <i>actually </i>do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?</p>\n<p>It might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs <i>and </i>cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.</p>\n<h2>No. 2: Build a cash buffer</h2>\n<p>In a world where inflation is running over 6%, &nbsp;having a lot of cash sitting around earning less than 1% &nbsp;might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.</p>\n<p>That said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses&nbsp; as a reasonable \"goldilocks\" target.</p>\n<h2>No. 3: Plan for the big expenses coming your way soon</h2>\n<p>As a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.</p>\n<p>It's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.</p>\n<p>No, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.</p>\n<h2>No. 4: Know a decent estimate of the value of what you own</h2>\n<p>Ultimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.</p>\n<p>Using the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.</p>\n<p>If a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.</p>\n<p>The beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.</p>\n<h2>No. 5: Invest with the long term in mind</h2>\n<p>With the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.</p>\n<p>That long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.</p>\n<h2>Get ready now for the next crash</h2>\n<p>None of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs &nbsp;and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.</p>\n<p>By balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is the Stock Market Going to Crash Again?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs the Stock Market Going to Crash Again?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-22 17:36 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2185826772","content_text":"The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation , stretched valuations , and a critical labor shortage  each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.\nJust because the market could crash soon doesn't mean it will, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?\nThat combination of factors makes now one of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no single best path forward and that the right approach could be to build a balance across the five options discussed here.\nNo. 1: Get out of (expensive) debt\nIf the market's massive run has left you in the position where you could pay off your debts, maybe that provides a good opportunity to actually do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?\nIt might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs and cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.\nNo. 2: Build a cash buffer\nIn a world where inflation is running over 6%,  having a lot of cash sitting around earning less than 1%  might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.\nThat said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses  as a reasonable \"goldilocks\" target.\nNo. 3: Plan for the big expenses coming your way soon\nAs a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.\nIt's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.\nNo, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.\nNo. 4: Know a decent estimate of the value of what you own\nUltimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.\nUsing the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.\nIf a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.\nThe beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.\nNo. 5: Invest with the long term in mind\nWith the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.\nThat long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.\nGet ready now for the next crash\nNone of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs  and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.\nBy balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":875090679,"gmtCreate":1637584188592,"gmtModify":1637584188960,"author":{"id":"3563436875655076","authorId":"3563436875655076","name":"james_l","avatar":"https://static.tigerbbs.com/7960ea5c640db331ff2de0da32f6a611","vip":1,"crmLevel":4,"crmLevelSwitch":0,"authorIdStr":"3563436875655076","idStr":"3563436875655076"},"htmlText":"Solid advice","listText":"Solid advice","text":"Solid advice","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/875090679","repostId":2185826772,"repostType":4,"repost":{"id":"2185826772","pubTimestamp":1637573760,"share":"https://www.laohu8.com/m/news/2185826772?lang=&edition=full","pubTime":"2021-11-22 17:36","market":"us","language":"en","title":"Is the Stock Market Going to Crash Again?","url":"https://stock-news.laohu8.com/highlight/detail?id=2185826772","media":"Motley Fool","summary":"The next market crash is inevitable. Prepare while you can.","content":"<p>The market will crash again. That is inevitable. The only real question is when will it happen?</p>\n<p>Let's be clear: there are <i>lots </i>of reasons to believe the market could crash soon. Skyrocketing inflation&nbsp;, stretched valuations&nbsp;, and a critical labor shortage &nbsp;each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.</p>\n<p>Just because the market <i>could </i>crash soon doesn't mean it <i>will</i>, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?</p>\n<p>That combination of factors makes now <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no <i>single </i>best path forward and that the right approach could be to build a balance across the five options discussed here.</p>\n<h2>No. 1: Get out of (expensive) debt</h2>\n<p>If the market's massive run has left you in the position where you <i>could </i>pay off your debts, maybe that provides a good opportunity to <i>actually </i>do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?</p>\n<p>It might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs <i>and </i>cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.</p>\n<h2>No. 2: Build a cash buffer</h2>\n<p>In a world where inflation is running over 6%, &nbsp;having a lot of cash sitting around earning less than 1% &nbsp;might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.</p>\n<p>That said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses&nbsp; as a reasonable \"goldilocks\" target.</p>\n<h2>No. 3: Plan for the big expenses coming your way soon</h2>\n<p>As a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.</p>\n<p>It's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.</p>\n<p>No, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.</p>\n<h2>No. 4: Know a decent estimate of the value of what you own</h2>\n<p>Ultimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.</p>\n<p>Using the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.</p>\n<p>If a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.</p>\n<p>The beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.</p>\n<h2>No. 5: Invest with the long term in mind</h2>\n<p>With the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.</p>\n<p>That long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.</p>\n<h2>Get ready now for the next crash</h2>\n<p>None of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs &nbsp;and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.</p>\n<p>By balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is the Stock Market Going to Crash Again?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs the Stock Market Going to Crash Again?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-22 17:36 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2185826772","content_text":"The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation , stretched valuations , and a critical labor shortage  each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.\nJust because the market could crash soon doesn't mean it will, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?\nThat combination of factors makes now one of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no single best path forward and that the right approach could be to build a balance across the five options discussed here.\nNo. 1: Get out of (expensive) debt\nIf the market's massive run has left you in the position where you could pay off your debts, maybe that provides a good opportunity to actually do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?\nIt might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs and cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.\nNo. 2: Build a cash buffer\nIn a world where inflation is running over 6%,  having a lot of cash sitting around earning less than 1%  might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.\nThat said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses  as a reasonable \"goldilocks\" target.\nNo. 3: Plan for the big expenses coming your way soon\nAs a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.\nIt's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.\nNo, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.\nNo. 4: Know a decent estimate of the value of what you own\nUltimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.\nUsing the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.\nIf a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.\nThe beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.\nNo. 5: Invest with the long term in mind\nWith the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.\nThat long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.\nGet ready now for the next crash\nNone of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs  and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.\nBy balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":875001673,"gmtCreate":1637583461016,"gmtModify":1637583562448,"author":{"id":"3569796947257349","authorId":"3569796947257349","name":"Wtt","avatar":"https://static.tigerbbs.com/7406dcbfb02a072a2aa86f3c4d10c168","vip":1,"crmLevel":3,"crmLevelSwitch":0,"authorIdStr":"3569796947257349","idStr":"3569796947257349"},"htmlText":"Hmm","listText":"Hmm","text":"Hmm","images":[],"top":1,"highlighted":2,"essential":1,"paper":1,"likeSize":2,"commentSize":11,"repostSize":0,"link":"https://laohu8.com/post/875001673","repostId":2185826772,"repostType":4,"repost":{"id":"2185826772","pubTimestamp":1637573760,"share":"https://www.laohu8.com/m/news/2185826772?lang=&edition=full","pubTime":"2021-11-22 17:36","market":"us","language":"en","title":"Is the Stock Market Going to Crash Again?","url":"https://stock-news.laohu8.com/highlight/detail?id=2185826772","media":"Motley Fool","summary":"The next market crash is inevitable. Prepare while you can.","content":"<p>The market will crash again. That is inevitable. The only real question is when will it happen?</p>\n<p>Let's be clear: there are <i>lots </i>of reasons to believe the market could crash soon. Skyrocketing inflation&nbsp;, stretched valuations&nbsp;, and a critical labor shortage &nbsp;each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.</p>\n<p>Just because the market <i>could </i>crash soon doesn't mean it <i>will</i>, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?</p>\n<p>That combination of factors makes now <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no <i>single </i>best path forward and that the right approach could be to build a balance across the five options discussed here.</p>\n<h2>No. 1: Get out of (expensive) debt</h2>\n<p>If the market's massive run has left you in the position where you <i>could </i>pay off your debts, maybe that provides a good opportunity to <i>actually </i>do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?</p>\n<p>It might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs <i>and </i>cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.</p>\n<h2>No. 2: Build a cash buffer</h2>\n<p>In a world where inflation is running over 6%, &nbsp;having a lot of cash sitting around earning less than 1% &nbsp;might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.</p>\n<p>That said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses&nbsp; as a reasonable \"goldilocks\" target.</p>\n<h2>No. 3: Plan for the big expenses coming your way soon</h2>\n<p>As a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.</p>\n<p>It's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.</p>\n<p>No, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.</p>\n<h2>No. 4: Know a decent estimate of the value of what you own</h2>\n<p>Ultimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.</p>\n<p>Using the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.</p>\n<p>If a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.</p>\n<p>The beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.</p>\n<h2>No. 5: Invest with the long term in mind</h2>\n<p>With the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.</p>\n<p>That long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.</p>\n<h2>Get ready now for the next crash</h2>\n<p>None of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs &nbsp;and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.</p>\n<p>By balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is the Stock Market Going to Crash Again?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs the Stock Market Going to Crash Again?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-22 17:36 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2185826772","content_text":"The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation , stretched valuations , and a critical labor shortage  each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.\nJust because the market could crash soon doesn't mean it will, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?\nThat combination of factors makes now one of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no single best path forward and that the right approach could be to build a balance across the five options discussed here.\nNo. 1: Get out of (expensive) debt\nIf the market's massive run has left you in the position where you could pay off your debts, maybe that provides a good opportunity to actually do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?\nIt might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs and cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.\nNo. 2: Build a cash buffer\nIn a world where inflation is running over 6%,  having a lot of cash sitting around earning less than 1%  might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.\nThat said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses  as a reasonable \"goldilocks\" target.\nNo. 3: Plan for the big expenses coming your way soon\nAs a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.\nIt's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.\nNo, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.\nNo. 4: Know a decent estimate of the value of what you own\nUltimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.\nUsing the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.\nIf a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.\nThe beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.\nNo. 5: Invest with the long term in mind\nWith the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.\nThat long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.\nGet ready now for the next crash\nNone of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs  and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.\nBy balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":6678982,"gmtCreate":1637583569289,"gmtModify":1637583569318,"authorId":3569796947257349,"author":{"id":3569796947257349,"idStr":"3569796947257349","authorId":3569796947257349,"name":"Wtt","avatar":"https://static.tigerbbs.com/7406dcbfb02a072a2aa86f3c4d10c168","vip":1,"crmLevel":3,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":3569796947257349,"repliedAuthor":{"id":3569796947257349,"idStr":"3569796947257349","authorId":3569796947257349,"name":"Wtt","avatar":"https://static.tigerbbs.com/7406dcbfb02a072a2aa86f3c4d10c168","vip":1,"crmLevel":3,"crmLevelSwitch":0,"individualDisplayBadges":[]},"objectId":875001673,"type":1,"supId":6678944,"prevId":6678972,"content":"[傲娇]","text":"[傲娇]","html":"[傲娇]"},{"id":6678980,"gmtCreate":1637583562408,"gmtModify":1637583562504,"authorId":3569796947257349,"author":{"id":3569796947257349,"idStr":"3569796947257349","authorId":3569796947257349,"name":"Wtt","avatar":"https://static.tigerbbs.com/7406dcbfb02a072a2aa86f3c4d10c168","vip":1,"crmLevel":3,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":3569796947257349,"repliedAuthor":{"id":3569796947257349,"idStr":"3569796947257349","authorId":3569796947257349,"name":"Wtt","avatar":"https://static.tigerbbs.com/7406dcbfb02a072a2aa86f3c4d10c168","vip":1,"crmLevel":3,"crmLevelSwitch":0,"individualDisplayBadges":[]},"objectId":875001673,"type":1,"supId":6678944,"prevId":6678965,"content":"[白眼]","text":"[白眼]","html":"[白眼]"},{"id":6678976,"gmtCreate":1637583555946,"gmtModify":1637583556044,"authorId":3569796947257349,"author":{"id":3569796947257349,"idStr":"3569796947257349","authorId":3569796947257349,"name":"Wtt","avatar":"https://static.tigerbbs.com/7406dcbfb02a072a2aa86f3c4d10c168","vip":1,"crmLevel":3,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":3569796947257349,"repliedAuthor":{"id":3569796947257349,"idStr":"3569796947257349","authorId":3569796947257349,"name":"Wtt","avatar":"https://static.tigerbbs.com/7406dcbfb02a072a2aa86f3c4d10c168","vip":1,"crmLevel":3,"crmLevelSwitch":0,"individualDisplayBadges":[]},"objectId":875001673,"type":1,"supId":6678944,"prevId":6678969,"content":"[鬼脸]","text":"[鬼脸]","html":"[鬼脸]"},{"id":6678973,"gmtCreate":1637583549986,"gmtModify":1637583550011,"authorId":3569796947257349,"author":{"id":3569796947257349,"idStr":"3569796947257349","authorId":3569796947257349,"name":"Wtt","avatar":"https://static.tigerbbs.com/7406dcbfb02a072a2aa86f3c4d10c168","vip":1,"crmLevel":3,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":3569796947257349,"repliedAuthor":{"id":3569796947257349,"idStr":"3569796947257349","authorId":3569796947257349,"name":"Wtt","avatar":"https://static.tigerbbs.com/7406dcbfb02a072a2aa86f3c4d10c168","vip":1,"crmLevel":3,"crmLevelSwitch":0,"individualDisplayBadges":[]},"objectId":875001673,"type":1,"supId":6678944,"prevId":6678965,"content":"[微笑]","text":"[微笑]","html":"[微笑]"},{"id":6678969,"gmtCreate":1637583539281,"gmtModify":1637583539310,"authorId":3569796947257349,"author":{"id":3569796947257349,"idStr":"3569796947257349","authorId":3569796947257349,"name":"Wtt","avatar":"https://static.tigerbbs.com/7406dcbfb02a072a2aa86f3c4d10c168","vip":1,"crmLevel":3,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":3569796947257349,"repliedAuthor":{"id":3569796947257349,"idStr":"3569796947257349","authorId":3569796947257349,"name":"Wtt","avatar":"https://static.tigerbbs.com/7406dcbfb02a072a2aa86f3c4d10c168","vip":1,"crmLevel":3,"crmLevelSwitch":0,"individualDisplayBadges":[]},"objectId":875001673,"type":1,"supId":6678944,"prevId":6678962,"content":"[白眼]","text":"[白眼]","html":"[白眼]"}],"langContent":"CN"},{"id":875003453,"gmtCreate":1637583362023,"gmtModify":1637583362184,"author":{"id":"3579259217271611","authorId":"3579259217271611","name":"CCCH","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":2,"crmLevelSwitch":0,"authorIdStr":"3579259217271611","idStr":"3579259217271611"},"htmlText":"May not crash, but could be a correction&nbsp;","listText":"May not crash, but could be a correction&nbsp;","text":"May not crash, but could be a correction","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/875003453","repostId":2185826772,"repostType":4,"repost":{"id":"2185826772","pubTimestamp":1637573760,"share":"https://www.laohu8.com/m/news/2185826772?lang=&edition=full","pubTime":"2021-11-22 17:36","market":"us","language":"en","title":"Is the Stock Market Going to Crash Again?","url":"https://stock-news.laohu8.com/highlight/detail?id=2185826772","media":"Motley Fool","summary":"The next market crash is inevitable. Prepare while you can.","content":"<p>The market will crash again. That is inevitable. The only real question is when will it happen?</p>\n<p>Let's be clear: there are <i>lots </i>of reasons to believe the market could crash soon. Skyrocketing inflation&nbsp;, stretched valuations&nbsp;, and a critical labor shortage &nbsp;each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.</p>\n<p>Just because the market <i>could </i>crash soon doesn't mean it <i>will</i>, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?</p>\n<p>That combination of factors makes now <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no <i>single </i>best path forward and that the right approach could be to build a balance across the five options discussed here.</p>\n<h2>No. 1: Get out of (expensive) debt</h2>\n<p>If the market's massive run has left you in the position where you <i>could </i>pay off your debts, maybe that provides a good opportunity to <i>actually </i>do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?</p>\n<p>It might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs <i>and </i>cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.</p>\n<h2>No. 2: Build a cash buffer</h2>\n<p>In a world where inflation is running over 6%, &nbsp;having a lot of cash sitting around earning less than 1% &nbsp;might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.</p>\n<p>That said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses&nbsp; as a reasonable \"goldilocks\" target.</p>\n<h2>No. 3: Plan for the big expenses coming your way soon</h2>\n<p>As a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.</p>\n<p>It's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.</p>\n<p>No, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.</p>\n<h2>No. 4: Know a decent estimate of the value of what you own</h2>\n<p>Ultimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.</p>\n<p>Using the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.</p>\n<p>If a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.</p>\n<p>The beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.</p>\n<h2>No. 5: Invest with the long term in mind</h2>\n<p>With the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.</p>\n<p>That long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.</p>\n<h2>Get ready now for the next crash</h2>\n<p>None of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs &nbsp;and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.</p>\n<p>By balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is the Stock Market Going to Crash Again?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs the Stock Market Going to Crash Again?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-22 17:36 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2185826772","content_text":"The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation , stretched valuations , and a critical labor shortage  each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.\nJust because the market could crash soon doesn't mean it will, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?\nThat combination of factors makes now one of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no single best path forward and that the right approach could be to build a balance across the five options discussed here.\nNo. 1: Get out of (expensive) debt\nIf the market's massive run has left you in the position where you could pay off your debts, maybe that provides a good opportunity to actually do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?\nIt might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs and cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.\nNo. 2: Build a cash buffer\nIn a world where inflation is running over 6%,  having a lot of cash sitting around earning less than 1%  might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.\nThat said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses  as a reasonable \"goldilocks\" target.\nNo. 3: Plan for the big expenses coming your way soon\nAs a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.\nIt's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.\nNo, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.\nNo. 4: Know a decent estimate of the value of what you own\nUltimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.\nUsing the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.\nIf a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.\nThe beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.\nNo. 5: Invest with the long term in mind\nWith the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.\nThat long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.\nGet ready now for the next crash\nNone of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs  and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.\nBy balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":872777469,"gmtCreate":1637582904913,"gmtModify":1637582904973,"author":{"id":"3575311552142146","authorId":"3575311552142146","name":"myLaohor","avatar":"https://static.tigerbbs.com/1ee11e351b6ef6ec0c8751da005b4a83","vip":1,"crmLevel":1,"crmLevelSwitch":0,"authorIdStr":"3575311552142146","idStr":"3575311552142146"},"htmlText":"Crash is not the issue. What important is what took place after the crash","listText":"Crash is not the issue. What important is what took place after the crash","text":"Crash is not the issue. What important is what took place after the crash","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/872777469","repostId":2185826772,"repostType":4,"repost":{"id":"2185826772","pubTimestamp":1637573760,"share":"https://www.laohu8.com/m/news/2185826772?lang=&edition=full","pubTime":"2021-11-22 17:36","market":"us","language":"en","title":"Is the Stock Market Going to Crash Again?","url":"https://stock-news.laohu8.com/highlight/detail?id=2185826772","media":"Motley Fool","summary":"The next market crash is inevitable. Prepare while you can.","content":"<p>The market will crash again. That is inevitable. The only real question is when will it happen?</p>\n<p>Let's be clear: there are <i>lots </i>of reasons to believe the market could crash soon. Skyrocketing inflation&nbsp;, stretched valuations&nbsp;, and a critical labor shortage &nbsp;each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.</p>\n<p>Just because the market <i>could </i>crash soon doesn't mean it <i>will</i>, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?</p>\n<p>That combination of factors makes now <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no <i>single </i>best path forward and that the right approach could be to build a balance across the five options discussed here.</p>\n<h2>No. 1: Get out of (expensive) debt</h2>\n<p>If the market's massive run has left you in the position where you <i>could </i>pay off your debts, maybe that provides a good opportunity to <i>actually </i>do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?</p>\n<p>It might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs <i>and </i>cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.</p>\n<h2>No. 2: Build a cash buffer</h2>\n<p>In a world where inflation is running over 6%, &nbsp;having a lot of cash sitting around earning less than 1% &nbsp;might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.</p>\n<p>That said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses&nbsp; as a reasonable \"goldilocks\" target.</p>\n<h2>No. 3: Plan for the big expenses coming your way soon</h2>\n<p>As a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.</p>\n<p>It's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.</p>\n<p>No, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.</p>\n<h2>No. 4: Know a decent estimate of the value of what you own</h2>\n<p>Ultimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.</p>\n<p>Using the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.</p>\n<p>If a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.</p>\n<p>The beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.</p>\n<h2>No. 5: Invest with the long term in mind</h2>\n<p>With the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.</p>\n<p>That long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.</p>\n<h2>Get ready now for the next crash</h2>\n<p>None of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs &nbsp;and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.</p>\n<p>By balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is the Stock Market Going to Crash Again?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs the Stock Market Going to Crash Again?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-22 17:36 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2185826772","content_text":"The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation , stretched valuations , and a critical labor shortage  each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.\nJust because the market could crash soon doesn't mean it will, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?\nThat combination of factors makes now one of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no single best path forward and that the right approach could be to build a balance across the five options discussed here.\nNo. 1: Get out of (expensive) debt\nIf the market's massive run has left you in the position where you could pay off your debts, maybe that provides a good opportunity to actually do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?\nIt might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs and cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.\nNo. 2: Build a cash buffer\nIn a world where inflation is running over 6%,  having a lot of cash sitting around earning less than 1%  might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.\nThat said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses  as a reasonable \"goldilocks\" target.\nNo. 3: Plan for the big expenses coming your way soon\nAs a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.\nIt's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.\nNo, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.\nNo. 4: Know a decent estimate of the value of what you own\nUltimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.\nUsing the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.\nIf a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.\nThe beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.\nNo. 5: Invest with the long term in mind\nWith the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.\nThat long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.\nGet ready now for the next crash\nNone of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs  and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.\nBy balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":872775078,"gmtCreate":1637582438394,"gmtModify":1637582438471,"author":{"id":"3586406638423368","authorId":"3586406638423368","name":"MBE","avatar":"https://static.tigerbbs.com/819dcae50fc62e5a41b7d625052bd116","vip":1,"crmLevel":5,"crmLevelSwitch":0,"authorIdStr":"3586406638423368","idStr":"3586406638423368"},"htmlText":"Hope for the best, prepare for the worst.","listText":"Hope for the best, prepare for the worst.","text":"Hope for the best, prepare for the worst.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":7,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/872775078","repostId":2185826772,"repostType":4,"repost":{"id":"2185826772","pubTimestamp":1637573760,"share":"https://www.laohu8.com/m/news/2185826772?lang=&edition=full","pubTime":"2021-11-22 17:36","market":"us","language":"en","title":"Is the Stock Market Going to Crash Again?","url":"https://stock-news.laohu8.com/highlight/detail?id=2185826772","media":"Motley Fool","summary":"The next market crash is inevitable. Prepare while you can.","content":"<p>The market will crash again. That is inevitable. The only real question is when will it happen?</p>\n<p>Let's be clear: there are <i>lots </i>of reasons to believe the market could crash soon. Skyrocketing inflation&nbsp;, stretched valuations&nbsp;, and a critical labor shortage &nbsp;each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.</p>\n<p>Just because the market <i>could </i>crash soon doesn't mean it <i>will</i>, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?</p>\n<p>That combination of factors makes now <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no <i>single </i>best path forward and that the right approach could be to build a balance across the five options discussed here.</p>\n<h2>No. 1: Get out of (expensive) debt</h2>\n<p>If the market's massive run has left you in the position where you <i>could </i>pay off your debts, maybe that provides a good opportunity to <i>actually </i>do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?</p>\n<p>It might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs <i>and </i>cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.</p>\n<h2>No. 2: Build a cash buffer</h2>\n<p>In a world where inflation is running over 6%, &nbsp;having a lot of cash sitting around earning less than 1% &nbsp;might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.</p>\n<p>That said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses&nbsp; as a reasonable \"goldilocks\" target.</p>\n<h2>No. 3: Plan for the big expenses coming your way soon</h2>\n<p>As a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.</p>\n<p>It's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.</p>\n<p>No, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.</p>\n<h2>No. 4: Know a decent estimate of the value of what you own</h2>\n<p>Ultimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.</p>\n<p>Using the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.</p>\n<p>If a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.</p>\n<p>The beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.</p>\n<h2>No. 5: Invest with the long term in mind</h2>\n<p>With the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.</p>\n<p>That long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.</p>\n<h2>Get ready now for the next crash</h2>\n<p>None of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs &nbsp;and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.</p>\n<p>By balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is the Stock Market Going to Crash Again?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs the Stock Market Going to Crash Again?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-22 17:36 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2185826772","content_text":"The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation , stretched valuations , and a critical labor shortage  each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.\nJust because the market could crash soon doesn't mean it will, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?\nThat combination of factors makes now one of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no single best path forward and that the right approach could be to build a balance across the five options discussed here.\nNo. 1: Get out of (expensive) debt\nIf the market's massive run has left you in the position where you could pay off your debts, maybe that provides a good opportunity to actually do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?\nIt might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs and cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.\nNo. 2: Build a cash buffer\nIn a world where inflation is running over 6%,  having a lot of cash sitting around earning less than 1%  might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.\nThat said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses  as a reasonable \"goldilocks\" target.\nNo. 3: Plan for the big expenses coming your way soon\nAs a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.\nIt's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.\nNo, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.\nNo. 4: Know a decent estimate of the value of what you own\nUltimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.\nUsing the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.\nIf a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.\nThe beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.\nNo. 5: Invest with the long term in mind\nWith the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.\nThat long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.\nGet ready now for the next crash\nNone of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs  and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.\nBy balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":872772030,"gmtCreate":1637582364818,"gmtModify":1637582364958,"author":{"id":"3574549633778650","authorId":"3574549633778650","name":"BoonHuat","avatar":"https://static.tigerbbs.com/f64154b666040668c472fc3731becde7","vip":1,"crmLevel":7,"crmLevelSwitch":0,"authorIdStr":"3574549633778650","idStr":"3574549633778650"},"htmlText":"Thanks for sharing.","listText":"Thanks for sharing.","text":"Thanks for sharing.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/872772030","repostId":2185826772,"repostType":4,"repost":{"id":"2185826772","pubTimestamp":1637573760,"share":"https://www.laohu8.com/m/news/2185826772?lang=&edition=full","pubTime":"2021-11-22 17:36","market":"us","language":"en","title":"Is the Stock Market Going to Crash Again?","url":"https://stock-news.laohu8.com/highlight/detail?id=2185826772","media":"Motley Fool","summary":"The next market crash is inevitable. Prepare while you can.","content":"<p>The market will crash again. That is inevitable. The only real question is when will it happen?</p>\n<p>Let's be clear: there are <i>lots </i>of reasons to believe the market could crash soon. Skyrocketing inflation&nbsp;, stretched valuations&nbsp;, and a critical labor shortage &nbsp;each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.</p>\n<p>Just because the market <i>could </i>crash soon doesn't mean it <i>will</i>, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?</p>\n<p>That combination of factors makes now <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no <i>single </i>best path forward and that the right approach could be to build a balance across the five options discussed here.</p>\n<h2>No. 1: Get out of (expensive) debt</h2>\n<p>If the market's massive run has left you in the position where you <i>could </i>pay off your debts, maybe that provides a good opportunity to <i>actually </i>do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?</p>\n<p>It might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs <i>and </i>cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.</p>\n<h2>No. 2: Build a cash buffer</h2>\n<p>In a world where inflation is running over 6%, &nbsp;having a lot of cash sitting around earning less than 1% &nbsp;might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.</p>\n<p>That said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses&nbsp; as a reasonable \"goldilocks\" target.</p>\n<h2>No. 3: Plan for the big expenses coming your way soon</h2>\n<p>As a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.</p>\n<p>It's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.</p>\n<p>No, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.</p>\n<h2>No. 4: Know a decent estimate of the value of what you own</h2>\n<p>Ultimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.</p>\n<p>Using the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.</p>\n<p>If a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.</p>\n<p>The beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.</p>\n<h2>No. 5: Invest with the long term in mind</h2>\n<p>With the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.</p>\n<p>That long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.</p>\n<h2>Get ready now for the next crash</h2>\n<p>None of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs &nbsp;and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.</p>\n<p>By balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is the Stock Market Going to Crash Again?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs the Stock Market Going to Crash Again?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-22 17:36 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2185826772","content_text":"The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation , stretched valuations , and a critical labor shortage  each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.\nJust because the market could crash soon doesn't mean it will, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?\nThat combination of factors makes now one of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no single best path forward and that the right approach could be to build a balance across the five options discussed here.\nNo. 1: Get out of (expensive) debt\nIf the market's massive run has left you in the position where you could pay off your debts, maybe that provides a good opportunity to actually do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?\nIt might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs and cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.\nNo. 2: Build a cash buffer\nIn a world where inflation is running over 6%,  having a lot of cash sitting around earning less than 1%  might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.\nThat said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses  as a reasonable \"goldilocks\" target.\nNo. 3: Plan for the big expenses coming your way soon\nAs a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.\nIt's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.\nNo, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.\nNo. 4: Know a decent estimate of the value of what you own\nUltimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.\nUsing the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.\nIf a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.\nThe beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.\nNo. 5: Invest with the long term in mind\nWith the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.\nThat long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.\nGet ready now for the next crash\nNone of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs  and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.\nBy balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":872776699,"gmtCreate":1637582302392,"gmtModify":1637582302392,"author":{"id":"4098956206649210","authorId":"4098956206649210","name":"GimaGO","avatar":"https://static.tigerbbs.com/acbaf394d1f80b0a17e1d6fb7623c697","vip":1,"crmLevel":3,"crmLevelSwitch":0,"authorIdStr":"4098956206649210","idStr":"4098956206649210"},"htmlText":"Get ready for the next crash with ready liquid funds.&nbsp;","listText":"Get ready for the next crash with ready liquid funds.&nbsp;","text":"Get ready for the next crash with ready liquid funds.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/872776699","repostId":2185826772,"repostType":4,"repost":{"id":"2185826772","pubTimestamp":1637573760,"share":"https://www.laohu8.com/m/news/2185826772?lang=&edition=full","pubTime":"2021-11-22 17:36","market":"us","language":"en","title":"Is the Stock Market Going to Crash Again?","url":"https://stock-news.laohu8.com/highlight/detail?id=2185826772","media":"Motley Fool","summary":"The next market crash is inevitable. Prepare while you can.","content":"<p>The market will crash again. That is inevitable. The only real question is when will it happen?</p>\n<p>Let's be clear: there are <i>lots </i>of reasons to believe the market could crash soon. Skyrocketing inflation&nbsp;, stretched valuations&nbsp;, and a critical labor shortage &nbsp;each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.</p>\n<p>Just because the market <i>could </i>crash soon doesn't mean it <i>will</i>, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?</p>\n<p>That combination of factors makes now <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no <i>single </i>best path forward and that the right approach could be to build a balance across the five options discussed here.</p>\n<h2>No. 1: Get out of (expensive) debt</h2>\n<p>If the market's massive run has left you in the position where you <i>could </i>pay off your debts, maybe that provides a good opportunity to <i>actually </i>do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?</p>\n<p>It might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs <i>and </i>cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.</p>\n<h2>No. 2: Build a cash buffer</h2>\n<p>In a world where inflation is running over 6%, &nbsp;having a lot of cash sitting around earning less than 1% &nbsp;might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.</p>\n<p>That said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses&nbsp; as a reasonable \"goldilocks\" target.</p>\n<h2>No. 3: Plan for the big expenses coming your way soon</h2>\n<p>As a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.</p>\n<p>It's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.</p>\n<p>No, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.</p>\n<h2>No. 4: Know a decent estimate of the value of what you own</h2>\n<p>Ultimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.</p>\n<p>Using the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.</p>\n<p>If a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.</p>\n<p>The beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.</p>\n<h2>No. 5: Invest with the long term in mind</h2>\n<p>With the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.</p>\n<p>That long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.</p>\n<h2>Get ready now for the next crash</h2>\n<p>None of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs &nbsp;and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.</p>\n<p>By balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is the Stock Market Going to Crash Again?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs the Stock Market Going to Crash Again?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-22 17:36 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation...</p>\n\n<a href=\"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.fool.com/investing/2021/11/21/is-the-stock-market-going-to-crash-again/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2185826772","content_text":"The market will crash again. That is inevitable. The only real question is when will it happen?\nLet's be clear: there are lots of reasons to believe the market could crash soon. Skyrocketing inflation , stretched valuations , and a critical labor shortage  each could pose risks to the market on their own. Put them all together in a situation like we have today, and the danger certainly seems to multiply.\nJust because the market could crash soon doesn't mean it will, however. If it somehow manages to keep climbing, would you really want to be sitting on the sidelines, watching the purchasing power of your money evaporate to inflation?\nThat combination of factors makes now one of the toughest times in most of our investing lifetimes to know what the best course of action should be. That might actually mean that there is no single best path forward and that the right approach could be to build a balance across the five options discussed here.\nNo. 1: Get out of (expensive) debt\nIf the market's massive run has left you in the position where you could pay off your debts, maybe that provides a good opportunity to actually do so. If not your entire debt burden, perhaps you could pay off everything but your fixed-rate, low interest mortgage?\nIt might seem crazy to pay off debt when interest rates are so low and the market has seen such huge recent rises, but that could very well be the best time to do so. After all, if interest rates rise, that could both increase your debt service costs and cause at least some of your stocks to drop, catching you with a double-whammy. When you add in the fact your debt service costs need to be paid even if your stocks are way down, you get a situation where reducing or eliminating debt looks like a smart move.\nNo. 2: Build a cash buffer\nIn a world where inflation is running over 6%,  having a lot of cash sitting around earning less than 1%  might seem crazy. When viewed only on that basis, it is. When you recognize that market crashes and job losses often go hand in hand, having a decent cash buffer can be viewed as an insurance policy. At least for a little while, it can keep you from being forced to sell at the low due to lost income and buy you time to find alternatives.\nThat said, with inflation running as hot as it is and cash returns failing to keep up, it might not be a good idea to hold too much cash. As a result, consider the standard guidance of three-to-six months' worth of basic living expenses  as a reasonable \"goldilocks\" target.\nNo. 3: Plan for the big expenses coming your way soon\nAs a general rule, money you expect to spend within the next five years does not belong in stocks. If you have a big purchase coming up in that time window -- say a new car, a child's college education, or a bucket list vacation -- a market sitting near all-time highs can give you a great opportunity to sell.\nIt's OK to sell enough stock to cover the costs of what you're buying in that window and any taxes you'll owe on your stock sale. Then, put the remaining money in something like a CD or Treasury or investment grade bonds that mature just before you'll need the money.\nNo, you won't make stupendously high returns on that money, but you will also sleep more soundly knowing that a mere market crash won't automatically derail your near-term plans for that cash.\nNo. 4: Know a decent estimate of the value of what you own\nUltimately, stocks are nothing more than fractional ownership stakes in companies. Yes, their market prices can rise or fall a whole bunch in a very short period of time, but in the long run, stocks are tied to the cash generating capability of the businesses behind those shares.\nUsing the discounted cash flow model and reasonable projections for the future of the company, you can estimate what that fair value would be. You can easily adjust your assumptions for a more aggressive growth future or a more pessimistic one as well, to get a feel for a range of potential values. You can then compare your model with the market's price and use that to inform your buy, sell, or hold decisions.\nIf a company you own is priced so high by the market that even your most aggressive estimates for its future can't keep up, then it might be a good idea to sell it. On the flip side, if a company you own is available for such a dirt cheap price that even your pessimistic estimate is above the market's price for it, you might want to consider buying even more.\nThe beauty of the discounted cash flow model is that it can help you make those buy/sell/hold decisions regardless of what the overall market is doing. As a result, it can help you both prepare for a crash by figuring out which companies to consider selling and invest through a crash by figuring out which ones are the biggest bargains worthy of buying.\nNo. 5: Invest with the long term in mind\nWith the first three options, you've taken great steps to protect yourself against many of the short term disruptions that can come from market crashes. With the fourth option, you've given yourself a tool to make smarter investing decisions around the time of a crash. Together, they free you up to truly have a long-term perspective when you invest in stocks.\nThat long-term perspective is important because it provides the foundation of the biggest advantage you have against Wall Street: your patience. With a long-term perspective, the rest of your financial house in order, and decent valuations at your disposal, you can stay invested during and after a crash. That is absolutely key to being invested during any subsequent recovery, which is where the next round of wealth can be built.\nGet ready now for the next crash\nNone of us really know when the next stock market crash will happen, but we can be pretty sure that there will be another one headed our way. With the market near all-time highs  and so many very clear economic risks in front of us, now could be a great time to make the adjustments you need to get prepared for that crash.\nBy balancing the tools you need to survive the next crash with a long term perspective for the money you're able to keep invested, you can be prepared no matter when that crash takes place. Get yourself ready now, and you will have the advantage of being ready before it happens, rather than trying to clean up after the fact.","news_type":1},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"}],"hasMoreComments":true,"newsSizeData":{"likeSize":260,"commentSize":47,"repostSize":0,"favoriteSize":8,"likeStatus":false,"favoriteStatus":false}}