When you are "investing" in gold and collectibles (.e. beanie babies, baseball cards), you are actually O diversifying your investment portfolio O speculating O hedging O discreetly investing Ralph borrows stock from his broker (short selling) with the goal of and later O buying low; selling later O buying low; selling low O selling high; buying low O buying high; selling low Municipal bonds tend to have a coupon rate than Treasury bonds issued at the same time; however, municipal bonds usually offer a(n) after-tax return to investors. O higher; lower O lower; higher O lower; equal O higher; higher Simply put, a market refers to a market that is on the rise. On the other hand, a __market is one that is in decline. bull; badger O bull: bear O bear, bronco O bear; bull