OK, we've done lots of homework, read the books, did the workbook, downloaded IRS Pub 590, 575, etc., talked to the company holding the 401k (that was interesting) and have made some decisions. We're rolling the 401k into a self-directed IRA (have already located the discount broker after much research). Have all the instructions from both ends. So now we're down to the wire on where to put the money. We want growth, want to preserve the capital,and will need income starting next year. We're both 54 and the assests are just under 1 million now. We will be taking SEPP (Substantial equal periodic payments)in 2000 (think we have a pretty good understanding of that compex subject). We already know we want a part in Vanguard's S&P 500, and a portion in the foolish 4 (not sure which one or if we should try 2 of the versions). If we go with roughly 1/3 in the Foolish 4 (Rule Maker I think), and perhaps 1/3 in the Rule Breaker, then we still will some funds to place. We looked at the No-Load Index Funds list you guys have and the most astounding one is RYOCX. When I searched for it on your quotes section, it had a sad face. Any comments on any of the above is welcome. Love the site, glad we found it.

PS. Just got our August issue of PC Computing and in an article named "Internet Investing" the Motley fool was referred to as the 'gold standard' for analyst and pundit opinion.