No. of Recommendations: 0
Thank you, Greg and Gup, for your thoughts. I got something new/more to think about after reading your responses.

To Greg: Yes, with "General Investing accounts," I was referring to investments outside the retirement investing. That's how it's called on Vanguard web-site.
You're also right about iBonds. Actually, I bought them for $3,000 last year. I intended to buy more this fall, but after reading some articles about bonds, I resisted. To tell you the truth, I still don't understand how bonds work. I'm confused when I read "When interest rates go up, the value of bonds goes down" and vice versa. I should read more about Bonds (including iBonds) and how they act in the market. But yes, I do find it tempting because I could use iBonds for (future) kids' education. If I understood correctly, I'd be able to cash them out tax-free if the money (including interest) is used to fund kids' education, right?

To Gup: I've noticed that many people on the Fool discussion boards mention Scottrade and their services. I should explore their website more. Once I did and I saw that they have a broker in our area. Maybe I will talk to him, but if I decide to do anything, I'll try to do by myself to evade their fees.

Thanks again. Aida
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