I've been an individual stock investor since 1992. I am a frequent trader; but, I would not classify myself as a day trader. I've been an Action Alerts Plus member for about ten years. I have my sob stories from 2007, when I held a large position in the US' 5th largest mortage lender, American Home Mortgage. They are the first company in history to pay a dividend and then take it back the next day. In 2008, I was more diversified; but, that didn't help. The last four years have been pretty great....much like the good years from 2002 to 2007.