1 to 2 paragraphs for each question

"Stock Valuation and Risk

News reports recently stated that in the not to distant past individuals in China were borrowing funds and then using those funds to invest in their stock market. Then the stock market fell leaving those investors with reduced values in their investments. Is this a sound approach for any investor to take concerning their investment strategy and could investors in the U.S. use this same approach?

"Financial Futures Markets" Would the use of futures be appropriate for all investors? For example, would the use of futures options be appropriate for an individual that was at or into retirement?