And this will bring us to dec 21 2012.... The end of the world as we know it, so might as well forget succession planning and blow whatever cash you got now because this time next year it'll be game over! LOL
Mate, everyone has an opinion about investing. My advise is don't take anyone's advise unless they are successful investors themselves. Financial planners, advisors, seminar sprookers, dooms dayers and to a lessor extent accountants all have their own agenda and in their own right are rarely financially free and here they are ready to tell you what to do with your own money.
The truth is no one really knows what the future brings and with everything in life if you want to get ahead sometimes you need to trust your own judgement and take a risk.
So do your homework and make your own decisions.