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Thank you m2c. So for example if you do not smoke or drink but the stocks for those products are financially worth the investment you would invest in them? I invested ONCE in a supposed slam-dunk rheumatoid arthritis drug. It was in its last FDA trial stages and allegedly had no side effects. My best friend worked for a company that put investors in new products and creators of new products together. She bought 1600 shares st $9. All her savings. She had that much confidence in it. All I could afford at that time was 500 shares but she assured me the value would go through the roof. Well you know what's coming. When I bailed the stock was 90 cents a share. I took the loss on my taxes and never invested again. That was my one and only experience with the stock market. Thank you for your reply.