Off Topic: I just found out about one year ago about "index Funds". These are mutual funds that invest in stock market indexes, like the "dow jones" and do not try to beat the market by buying and selling different companies. This means they can charge charge much lower fees and still make good money.
I switched from my old fund charging almost 1% a year to a different company charging about 0.08%. Doesn't sound like much but overtime it really adds up. These could easily cost you $500,000 over 20-30 years.
I am really too old for it to matter that much but I will save/make about $2,000 a year from the switch at no cost to me. Wish I had done it when I first started my IRA.
Bil lD