I read it all! With an pension investment/actuarial background having worked in corporate staff all my life (HP among others) I make sure my own investments are mostly low risk (deposits/cash/house) and diversified (stocks/gold.) I am so blessed the return is not important anymore for me.
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...nothing wrong with that! Good people should stick together, so I thank you for the support and for reading through! I'm sure I could learn much from your experience, especially regarding stock. Although I believe those markets are somewhat (if not totally) manipulated, I do have a goal to pick up a non-401K stock at some point this year. Let's see how it goes!