ToesUp Date: 12/17/99 2:47 PM Number: 16485
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<<I'm frusterated and confused about everything.
Now the money is in and I feel paralyzed with fear.>>

Frightened is good to a certain extent and may help you to be conservative.

Frustrated and confused is natural and can be changed into something more positive.

Paralyzed with fear is usually not so good, but at least it may prevent you from early mistakes.

Until you find a clearer path for yourself, please seriously consider a combination of DIA, SPY, QQQ, and cash at relatively short term interest.

Simplicity, effectiveness, and efficiency in one package! You may learn more, however you may well become quite comfortable not doing anything more than periodic appropriate rebalancing.

.02