Hawkwin:Yes, AT&T fluctuates up and down in value, but they pay out nice dividends, regardless. The money I/we have in vested there is in there for the dividends only -- not the growth.By all means, if people want to put money into the S&P via a fund, for example, that's probably a great idea.My whole point is that people should learn how to make and keep their money DOING something, rather than leaving it dormant in a "safe" savings account, perhaps because they fear doing anything else with it.As I have said over and over again, if a lot more people spent half the time learning how to make their money grow vs watching mindless TV shows or playing with "apps" on their toys, they'd be better off and maybe happier!Vermonter
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