I need your ideas & opinions. I'm 46 years old, I have 12k in APGBX w/4% backload & 4k in MIGBX w/4% backload both are IRA's. My wife has 5k in MIGBX w/4% backload an IRA. Jointly we have 12k in AWSHX w/5.75% frontload taxable account. We each have $1,500 that we need to invest in IRAs for 2000 before the April deadline. After that we plan to dollar cost average our IRAs from now on and also maximize our taxable investments as much as we can afford each month. The fees I'm paying to MIGBX, AWSHX, APGBX are too high by FOOL standards.Should I invest in the funds I have for our IRAs this year?Should I find different investments for our 2000 IRAs & move the funds We now hold over later when they are at least break even? Should I move them NOW at a loss? I realize we have started late in the game to invest for retirement plus we have 10 year old triplets! With college around the corner. Where should I invest to maximize my earning potential? I know that you FOOLS do not a crystal ball, but how would you ahndle my situation? I do need to decide about the 3k for IRAs very soon. Any & all responses will be appreciated. At this time I am enrolled in Rule Maker 2001 Seminar & the Self paced Retirement Seminar. I am trying to learn as much as possible to become a real FOOL as soon as possible.Thank you in advancecclwps I am sorry about the long story, but I though imwould get more help (sympathy).