Jake of the Web

So, I'm still trying to find my niche here. Trying to figure out what this blog should be about: right now it's about whatever the hell I find interesting.
I have become a fan of MarketWatch.com lately, which seems to be the right mix of 'I already know this, thanks for the reinforcement' and 'Wow, now I get it'-type articles. It challenges me without putting me to sleep.
This article explains how "yeah, the stock market sucks right now. People are losing money. But guess what? That's what you signed up for with the stock market."
The question is: can you afford not to take the risk? More risk equals more return. Without that greater return, you are likely just losing ground to inflation. The number of dollars may stay the same; but what you can buy with that money is slowly whittled away.