Hi, Toofuzzy, Good advice. I have bought sector ETF's and am happy with the choice. If anyone can be happy in these trying times. Buying as an investment goes lower is a different and unsettling experience. I'm just focusing on the long term with the belief that it will work out in time. I like this much better than trying to second guess the course of growth stocks. Yes, I'm losing money as the market goes down but I was also losing getting stopped out. It is rather nice being able to buy at better prices. I can see a time when I may be pleased with a pullback. I do appreciate hearing the experiences of all of you who have done this for awhile. There's a lot to learn. Cindy
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