"Scott Pape" is an investment advisor, author and radio commentator who lives in Melbourne, Australia.

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I think we have a little bit of a correction here. The market was up just over 30 percent (for the year) as little as two weeks ago. A 5 percent correction is not really all that unusual.

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Baby Boomers are saving more and spending less. Most folks don't think they'll see much in the way of Social Security dollars, so there's a big need for retirement savings.

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