First of all, you can drop the hinkle last name. It's just Robinson. Thank you. I am retired and started investing on my own about five years ago. I was unable to do alot so I began teaching myself something hard and new.....investing. Since I had NO understanding of any thing in the investing world, believe me it was hard, but....I have spent hours daily learning. Monday thur Friday when the markets are open I'm in class. I did pretty well last year(2011). I made about 22% return on my investment. I was very proud of myself. It really is possible to succeed if you apply yourself. I'm still learning. I will never give up. That's me!