Retired, 48, been making my own financial decision since I was 17. Every day, for the rest of my life, I will be a recovering Merrill Lynch customer. Proudest Financial Moments: Personal Best return on equity: 20/1, Leap Puts on Citi & GE, closed in late 2008 Personal best adjusted for time: Shorted FNMA Preferred S in late August 08 - closed position 13 days later. 75% return - in NINE business days. (I'll never manage THAT again, not even close - not if I live to be a thousand . . . ) Managed a modest positive savings rate in '08 (2%), despite being retired & making all my living from investments, in a year when most investments got slaughtered. Wonder if I can do that again . . . ?