One personal challenge I have with this is going against the advice I've always been given that because of my age I shouldn't worry about the ups and downs of the market in my 403b account. Can you elaborate on your position in regards to this? Many of us who have a 2 decades ahead of us before retirement age are basically being advised to do nothing because we can weather the storm.

Also, are you still a part of the wacoinda group through facebook? This is really good information and would be greatly appreciated given the economic focus of the group. And the group's currency (CJS) has started trading on the StellarX (stellarx.com) peer to peer trading exchange.
https://www.facebook.com/groups/wacoinda/