Englishman living in Chiangmai (life sentence in heaven). Now my dear half my age wife is demanding a nipper and I better make some money here on SeekingAlpha to pay for all that. Good moves: Got out of market just previous to global crash. Bought BP contrariwise at nadir of bad publicity. Called Facebook and Apple as overcooked. Took gold profit and ran (myopic? Maybe. But unimpressed with gold's reaction to Armageddon.) Bad moves: Too pussy footed, have realised that there's also risk in, and one must also hedge against, being in cash.