RE: Another subject...The smartest thing I did in the 70's was to start several DRIP accounts when I got married, with holdings like Mobil, PECO, Energen, BBT, Kaman, Southern Co., etc.........then expanding the portfolio to Intel, Cisco, Microsoft, Oracle, Omega Healthcare, etc. in the late 80's. I made an honest effort to put aside $100 per month and spread the wealth in all the DRIP stocks I owned, sometimes only picking up fractions of shares. With my contributions and the re-invested dividends, I'm quite happy with my return. Believe me, I went through serious bouts of doubt and through several crashes. It's not easy to maintain discipline - but I never wavered. Slow, easy, and smart is the way to go. BTW, my DRIP accounts now are more valuable than my 401K and assorted IRA's combined.