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Michael, like you, I have lived all my life listening to and acting on that "still, small voice". Some of my choices have had difficult outcomes, but life is not about avoiding difficulty. Rather, I choose to learn and grow from each life experience.

Since this portfolio passed into my hands a year and a half ago,I have subscribed to three different TMF newsletters (still take RYR and SA), talked to half a dozen money managers/advisors, read numerous books, and still, until recently, got "word" not to touch a thing.

During this time of study, "risk tolerance", which had no reality for me, has become an authentic guage of my own fear-greed syndrome. I feel it arising and choose not to act from that place.

So, thank you for your words of encouragement. Are you familiar with a small journal called, "Heron Dance"? If not, from your TMF profile, I get a sense you may find it companionable. You can find it onlineat


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