Only liars manage to always be out during bad times and in during good times - Bernard Baruch Let me tell you I was in during the good time and I am in right now, during the bad time. So far, I have received several 100 messages on what should they do about their investment now. Some I replied "HODL", to some I said, "I don't know", and many I couldn't reply. However, one particular message from a friend caught my eye. It read