RE:So I picked up some SIA NP Lotto- I know it is boring as F^%K but it is a sector the is practically idiot proof. Very low risk all. All my "cash" is in this stock. Any wrongful deaths are settled with a cash offer, they rarely go to court as their customers are on there way out anyways - Morbid but true. They had a fire in 1 of their buildings a couple of years ago and all it turned out to be was a buying opportunity. For the oil and gas actor I own BP- Bought during the big spill and they have been offering a great div ever since...plus I spend lots of time in the states so I need the hedge against the greenback.