To best describe me one investor who learned from the school of hard knocks. I didn't go to any presitgious schools, but after 6 1/2 years of service I went into business myself. Became successful and sold that off. Through that time, I have owned real estate (residential/commercial), private placements, owned/sold/collected on debt portfolios, commodities. Well, I have loss alot of money, and then again I have made alot of money. But it was from hard work and lessons learned. I do have a special interests in gold and silver markets, after DD over the monetary system. After doing that DD, I believe it is a necessity to have in everyone's portfolio. If you don't, you do not have the insurance you really need to protect your net wealth. Once that is established. The rest is a play on the fiat money system. I only choose stocks that pay a dividend, are undervalue, and are in the beginning or mid up trend. That way I can buy/hold for the duration and also do some day trading for fun. So, if I slip on a day trade, oh well, I wanted to own it anyways and at a price I don't mind. Has been working well so far. cross fingers right mates?