alot of very good info here. thanks to all. i have 20-25 years to retirement, although, i don't believe i will live that long, but you never know. i do have my investments divided into 4 different ways, with 3 of those in some aggressive funds. (i only sound like i know what i'm talking about because of this thread, but hey, learn where you can). the investments are actual though, i did have some help setting it up. now its time to learn more though........i'll keep it where it is, and mabey take a loan against it 1 day to open a cigar shop......................