I have finally come to the realization that being a long ball hitter in the market is just not what I am good at.( What is the adage --we grow to soon old and too late smart?) New to dividend paying growth stocks. Have short time frame to retirement--three years or so. Just reached the fourscore mark, but still working part time because the extra money comes in handy and I like what do, teaching freshman college students to write (or is it to think clearly?).