Im actually a huge BEAR when it comes to the stock market...

Im actually a huge BEAR when it comes to the stock market casino, I think because of all the QE in the US system, its completely unsustainable, I think the DOW and S & P 500 could easily fall 30%-50%, remember non of the things that's went pear shaped in 2008 crash have been fixed, they have been fixed with sticky tape, if the market crash, instead of trying to pick individual stocks to buy (and hoping they will survive) something like IVV is a great bet when markets crash, because it owns 500 stocks, no worries if a Microsoft or apple go broke, the INDEX will still rebound in due time.
cheers.