What is another word for speculating?

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Present participle for form a theory or conjecture about a subject without firm evidence
“My colleagues speculate about my private life.”
Present participle for invest in stocks, property, or other ventures in the hope of gain but with the risk of loss
“And, did it become popular to borrow in Euros to speculate in higher-yielding Mexican or Brazilian securities?”
A notion, idea, or plan
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