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I may not have been very clear in my explanations, so I'll try again.

We've decided that the lifestyle we have now is more than we're currently willing to continue to support. Hence, trading in both cars, & selling a house we didn't need when we built it and now feel the current amount of money needed each month to maintain..i.e. taxes, lawn, maint.fee etc. is simply more than we want to pay.

We did meet each year with our advisor, and do take full responsibility of laziness/lack of interest when the boom of the mid-late nineties was happening. We were well diversified (still are) but had more than we should have in a couple of "tech" companies. We have since bailed out of all but INTC (gasp, what a day today), and have now purchased large cap well known stocks of outstanding companies. We still are highly diversifed.

Current income is not an issue, but I did take a look at the Morningstar rating of VFIIX that you mentioned.

My point simply was that we feel we also need some super conservative investments, as they make me sleep easier at night.

We have an appt. with our advisor in July, and as the Reba song says " I wouldn't want to be you right now". We are preparing a long list of questions that we expect answers to, and a better plan than what has been in place these last 6 1/2 years.

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