Like I said I am just whining. I'm only down about 5% since OCT 1, but I have some individual stocks that are absolutely hammered. I have a fairly significant crash fund. I was hoping to just leave it in something boring like a bond. I think the FED is determined to not let this just be a correction instead of a bear market. We may have a long time to buy low. Somebody please start a thread when we are at the bottom. 