thanks for your replies. i made two mistakes in my life (LOL….) :in ’95 i asked my local broker to open a futures account in oil ( @$30/bl), she said i needed a $300,000
margin account to get started…..lol, lol ……..later oil went to $120/bl. second: in 2000+_, i followed a “guru” that said QQQ was going down,down down, so i told everyone to short the market………..QQQ went from 22 to 70 and is still going…………BUT in 95 i also put retirement fund into au and ag and i have been sleeping like a baby ever since; but i still have not been able to make that trip to Belize yet. one of these days……..