Been involved with stocks for 40+ years. I know what Tulip-mania and Ponzi schemes are. I've made lots of mistakes so now I get to make fewer mistakes. Demographics matter, retired boomers can't take shares to the grocery, they want cash. The bank want's to borrow my money for 0.2% interest? Really? The bank wants to lend my money to a late pay credit card holder for 29.99% interest? Maybe I should be a bank? Trade options, lose money. That's my options course, please send $1195.00 Write covered calls? Maybe. I do, works OK, but still a maybe. Sometimes I still make the same mistakes. I hate that. Q4-2008 and Q1-2009 we're, ah, scary? Rough? Sad? Bordering on criminal fraud?