Auwiga,I was almost not going to bother responding but your...

Auwiga,

I was almost not going to bother responding but your second post...

"How do I know what the big hitters do? Because I have worked in the industry as a "licensed professional" and I know how they operate."....

IMO makes sense why you dont understand. In fact, I'm guessing you're probably a financial planner???

So what if I "miss the boat"...plenty of other boats to catch out there.

Horses for courses my friend. And what I do provides a roof over my head for me and my family.

Good luck with your investments.