Charlie,I certainly understand about not revealing your fly fishing "honey hole".In fact the analogy of fishing to stock/bond investing points to a character defect of mine... I like to fish only if the fish are biting and lack the patience of a dedicated angler. Similarly I love a bull market, but I want to crank up the outboard and head home when things go south (a bear market). I am finding out that holding some cash makes me feel easier in a decline because I find myself hoping to find bargains. If you don't have any cash all you can do is sit and watch things tank.Thanks for your time. I found today's post showing how the little guy can buy bonds at a fair price very interesting. Lesson: Stay away from the big houses.Codger
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