Been in the markets since the early mid 80's. Did very well in the era of irrational exuberance. MSFT and AOL leaps served me well in my taxable accounts. Had several mutual funds in company accounts that also did well in this era. Life was good money was easy ( The good old days, throw dart at a tech or net stock and sell when up 50%). I was a genius LOL. Then that pesky tech bubble spoiled the fun. Sun Micro was my largest gain and largest loss, ever, took 3 years to run and about 72 hours to flush it away. Buy the dips I would say, and it always worked until then. Scared out, no dry powder and margin calls were a nightmare. With just enough for 4 bullets , I settled on AAPL, MO, JNJ and XOM. Did not do much for a few years, just let them come back slowly. Since then new money has found it's way into mutual funds and Commercial Real Estate. In 08 I closed a deal on some property and found the market in the gutter. I picked up a truck load of F, more MO, Loaded up on BAC, C more AAPL, QCOM, IBM and the majority went to SPY. Today I am older, wiser, a lot more patient, but still too greedy. And it's time to get serious about an investment theme for the next 8-10 years. Been lurking on SA, and impressed by the members insights and knowledge. Leaning toward a Div growth portfolio, MO and JNJ have shown me the light since 99. Ex Controller and Analyst for a F500 co. through 2000. Now lead a sales team of 200 and run a decent side business of Commercial Property holdings and a Exotic car related website.