Thanks for the great feedback, Charlie.

I'm afraid I'm embarrassed by my process and need for remedial lessons in investing. And then how slowly I learn them.
I'm afraid of making mistakes. Terrified in general. I had a lot of criticism growing up, so I venture very slowly, sometimes. Just to put my personality in perspective. Posting helps clarify my thoughts, I only hope it helps others in some way instead of cluttering up the board.

Yes, this wide world is nothing but a fountain of beautiful diversity. Getting the variables of reality to work for you in a harmonious way. I'll try Vanguard so I can see how it works. It's good enough for Buffett for some things. I'm working on the idea of doing what i can to make whatever small improvements I can. 1% here and there adds up. Maybe in my learning, as well.
:)
Thanks, again!