do my own investing...read financial articles online/papers/magazines or radio...(ex: bob brinker 3-6-pm WLS radio sat &N sun). BottomLine; know where your $ is & at what % in each sector. If stock or ETF, add a stop-loss price at most 10% LOWER. Find others who know at least as much or more than U and discuss with them. There are NO dumb ideas/comments/suggestions....just ones that need a reason to buy either now or later & a reason(s) to sell. This past 6 months some of the 'advisors' did not talk about 'invest.!. Well, my thinking is that once "U" believe the equity is at a low price, rememeber, if it is for a retrirement account and will not be used for 5 to ten years, "make your list of items" and watch/buy at your own descresion.!!!!!! Thanks for reading. W.K.A.