OK, it's now about three years after I first started lurking around SA and one year into my retirement. Thanks to getting heavily back into the market in 2009 and jumping into the world of high div and high div growth stocks (MLPs, REITs, BDCs, CEFs, and some of the 4+% big cap div growth stocks), I can afford a few speculative trades now and then. My timing was perfect with early to mid 2009 as a major entry point for me for 90% of my portfolio. However, my speculative trades and channel trades have not worked out so well timing wise, but I keep these trades to 5-10% of the total investment portfolio. Currently, working on techniques to minimize risks to income from investments while minimizing the time required to maintain the stocks in the portfolio. Investment income and a pension from a high-tech company are more than enough to support my wife and I at 57 and 62 years, respectively, and we've decided not to draw social security early. I continue to think SA is one of the best avenues around for learning and sharing about investing, and encourage everyone to always do their own DD. May one day become a contributor.