I am a retired civil servant whose success in life can best be described by the fact that I retired at 55 thinking I was open to double dip my way to wealth. After, retiring I gave myself a year off before going to seek my new career. I learned that this wonderful thing called the internet provided me with online trading for long term investments as well as access to the love of my life short term investments in the most magnificent of animals the thoroughbred race horse. This will explain the gambling references in a lot of my commentary. Having no college degree should not diminish ones thoughts of my abilities as I left the government as a gs-13 manager and would have been in line for the gs-14 had I remained. Oh yes, I forgot the point which is I never did need or seek the second dip. I do not have a formal college degree as after 5 years of college in which I was extremely misguided from middle school on and 4 changes of majors I decided it was easier and necessary to seek employment instead of the degree. Don't let this confuse you though as many of those college credits are in the field of economics under some pretty savvy professors. My retirement was based on my life experiences of fair interest and dividends on my hard worked for nest egg. Due to god awful performance by all levels of our elected officials and the current economic policy to screw the retired savers in favor of bailing out the irresponsible bankers from the highest stakes poker game ever with taxpayer money I find myself constantly monitoring and trying to protect my nest egg. Therefore the best answer to my market investment interest is survival. At the present time I am extremely anti Wall Street based on the many stocks I have owned which over pay management while shanking share holders. It was bad enough having stocks that went sideways for years with no dividend increase and it got even worse when the shareholders had to suffer value losses due to the many law suits against the overpaid executives. (Isn't this a wonderful world in which they cheat and you pay) Throw in the Marie Antoinette attitude (Let them eat cake) you can readily hear directly from such management on the FOX saturday business block and it is very difficult to put my hard earned money into the hands of these idiots.