Sorry to hear about your loss story

"never been a risk taker financially all my life." doesn't sound right from your portfolio. Long term money growth depends more on your strategy. You have so much in growth stock. Those are hard hit in the past 6-12 months. Probably eliminate your last year's gain, right? I think you'd better have a more balanced portfolio. Only re- balance that every 6 or 12 months is enough. This will give peace to you and your family.

If you are really angry, call your congressman and senator's office. or FAX. complain. make sure that they vote "no".

"房贷决定不多付了" is a right decision. Sooner or later the inflation is going to be high enough.