If you expect a refund, file early.

Technology shares are usually stratified.

The market always has a hiccup.

My experience is that, for the average investor, for someone who doesn't spend a tremendous amount of time analyzing the market, it's too difficult to evaluate different markets against each other.

The most important thing people need to remember is this is an asset class that will triple and then halve and then triple and then halve.

You don't have to own a full position immediately. You don't have to chase them or buy them at any price, ... Step back and have some perspective.

And when you do, it's like Russian roulette. When the chamber comes up full, you don't get a second chance.

You would have stayed out of them the last five years.