Or, just keep it simple like me: Buy a good used glider instead of
investing... Sure I might be cursing the decision 35 years from now
when I retire; but not having any money tied up in the stock market
has kept me from being stressed out about it this year, AND when you
add in the extra hours I've spent at cloud-base (a blissful state, as
well all know) I think I've come out FAR ahead of the average
investor! :-)

--Noel
(who is soon to have his first Mortgage, and his first large/steady
401k contributions... All good things must end, sadly!)