<prompt> Human: The threads about I Have X ... What Do I Do With It?! come up often. Many people we have interacted with here follow the posted advice much too closely, but fortunately, the majority of rpersonalfinance downvotes the subpar advice. Back in February, DoctorMidnight posted in a thread about the price of silver going to 50 before end of the year. Mark My Words, youre about to see a meteoric rise in prices, etc. He was upvoted to 5 before reality set in, but it comes to show that there are plenty of people out there that have a high risk strategy of managing their finances, especially their emergency funds.At the time of his call in February, it was 33.88. Today, it is 29.96.He posts in rfinancialindependence and similar things happenDo your due diligence, diversify, invest with sound judgment, and be careful of the advice you follow. Heres to a great 2013 for all subscribers of rpersonalfinance!  <response>: Anyone who saw my own recent post on rInvesting about someones call knows I personally think it is worth being skeptical and following up when someone makes a highly-definitive prediction about financial assets or markets. It can illustrate how even the most convincing-sounding prediction can be 100 wrong.The thing to keep in mind is that anyone can construct a great theoretical argument for why X should lead to Y and then Z, but 1 they rarely know or include all the variables, and 2 new information changes the game, plus 3 the market usually has its reasons for the current prices of things, so you have to ask yourself: do I really know more than all the other market participants setting the price? 