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Unfortunately, only you can answer the questions you're asking, for the simple reason each person's means, needs, skills, goals, and interests are different. As an example, you listed what you own and someone says, "You own too many stocks". I look at the list and say, "What a cute little portfolio. But why so few?" Each of us is correct, because each has different beliefs about risk management and trade management. If both of us are making money --and you are, too-- then everyone is right.

If you're not sure about what you're doing, don't ask for second opinions. Instead, sit down and write out exactly what your goals are. As the late. great economist, Yogi Berra, once quipped, "If you don't know where you're going, you'll end up someplace else."

Seriously, if you don't have an Investment Plan, you need to write one. If you don't know what it should include, then write a letter to your son or daughter and tell them how you'd like them to manage your money if you were to become temporarily incapacitated but could be expected to recover. The plan should cover both your overall strategy and some specific tactics. But it shouldn't be more than one-page long. And don't think you can sit down at the kitchen table and knock one out in 15 minutes. It's going to take a couple drafts and a couple long walks to get the right tone and focus. When that happens, you'll know it and be able to say, "That's what I'm trying to do, God willing, and the creeks don't rise."

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