My 2 cents for new investors - I used to be like most of you - my stock selection mostly based on the value. That is what I am seeing with most of you here - you want to make quick money by investing in beaten down stocks like C, AIG, Freddi, Fannie, etc. It may work with couple of these and you will get into the habit of picking stocks based on the value. Sooner or later you will get burned......