Thank you for your response,

You did an excelent job of paraphrasing everything I typed followed with your opinion, right up to the point of ASSUMING i am complaining.

What is your basis for your assumption. You didn't paraphrase at the point of this accusation. You seemed somewhat knowledgable, but very unpleasant in your response.

The only reason the question was asked was to help gain knowlegde and insight for myself as well as for other Fellow Fools. This is the Financial Planning Board, is it not?

And the comment about being grateful to the person who gave the gift, I couldn't agree more. But I was offended that you left out God. Jesus is my Lord and Savior, and all Gifts come through him.

I couldn't help but to take your post a little personal. But if thats how you feel, thats how you feel.

Sincerely

The Fool