I have a mad money account separately from my retirement and I have stocks in it that I hold long term but I like having about 5 or 6 speculative stocks to play with short term buying and selling. When wolf practically went to 0 last week it was no big deal because it only represented a small portion of the money. A few crazy aggressive, risky stocks makes it all fun to me. The tips Jsasker has given me has over all made me money and are water under the bridge now. So my point is a really APPRECIATE hot tips and sure in the hell won't hold it against anyone if it goes to 0, in fact I expect some to bottom and some to double.