Diversify - I mean REALLY Diversify!!
It's amazing to me the number of people who consider themselves diversified when all of their holdings are denominated in US dollars. The dollar's days are numbered, what with around 90 trillion of unfunded liabilities that our government will have to pay (or inflate away, or default on).
Please, for the love of Pete, get some money out of the dollar and into some commodity-based currency (Australia, Canada, even China).
Of course, there is always gold....
Now don't go crazy either - as in put it all oversees or in hard assets. But are you truly diversified when the value of everything you own is underwritten by US Federal Reserve Notes? I think not.