Well said Crazydik, I agree with you whole-heartedly. After subscibing over the last seven months to two market-timing services and seeing one (based on Elliot-Wave theory completely out to lunch and hearing that the other one at best gleans an extra ten per cent over buy and holders, I am doing what has worked for you and incidentally has worked for me best while often out of touch with the markets over the last six years. Saturday I leave for Thailand and another vessel staying fully invested - will look in occasionly as chance permits. We're not crazy !!