(Note: In case it matters to anyone, I'm not a physician. I live in Maryland. This has caused confusion on some threads.) Profile picture is the NASA GISS Global Surface Temperature Index, 1880-2012. If this were the DJIA, we'd call it a bull market. Instead, it's a disaster in the making. Do you have kids? I invest for total return, through a combination of small-cap value stocks (typically held for months to a year), a core position of dividend stocks, a small selection of growth companies and a limited number of ETFs. I have a diverse background in engineering, neuroscience research, statistical analysis, and software development.