Hi Dondon

I'm surprised you're actually older then me.I thought you were somewhere in the 40 .

Well I see your approach on investing is somewhat like mine .Some speculation with stocks as a minor part of the total is not a bad idea .

"Diversification" should be the order of the day,at least Mutual Funds taught us that ,thing is you shouldn't have to pay for that in this day and age??

Indeed that's the best way.

A reason I follow CLL and PDP is because I follow them since a few years and I like to stay on this board .As you figured out I like to chat as well and learn also something about idea's from other people over the Ocean and it's good for my English writing skills .

BTW you're a sportive guy too.Better to live the active way then to sit on a sofa with chips.

Do a lot myself like running,cycling ,roller blading,fishing ,making music and riding around with my little lady.When I die the last I can say is I had a dull life.Time's to short for me I guess.If I'm done working hopefully in 2011, I will travel in the US and Canada.Looks not bad over there too and friendly people.Now gonna sleep .