Guys, An interesting article I just read in the SMH collaborated a lot of my personal investment thinking. That is, most people are more scared than greedy, to the point that they make irrational investment decisions skewed by their fear of failure. Here's a link to the article "Nothing to lose but fear itself": http://www.smh.com.au/news/opinion/nothing-to-lose-but-fear-itself/2005/10/25/1130237354430.html This is why, when asked, I always suggest "newbie" investors read books on mindset and broad strategy before getting into the detail "how-to" books. Before you can be a successful investor you need to conquer your fear. Not eliminate it entirely, just subjugate it to common sense and reason. The following paragraphs from the article above really resonated: Cheers, Michael.