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Hi Jim,

I'd like to second your thanks to Tom and David Gardner and everyone else at the Motley Fool for their excellent and simply communicated financial advice. Since February, I've read both Fool books, a slew of other financial books (two of the most informative being "A Random Walk Down Wall Street" and "Beating the Dow" -- both of which were recommended on the Fool site); I'm currently making my way through Sheard's "Unemotional Investor." I've recently decided on Waterhouse as a discount brokerage and intend to convert both my and my partner's IRAs into Roth IRAs invested in stocks -- most likely a version of the Foolish Four. I can't even believe how much my attitude toward money, investing, and preparing for retirement have changed since I stumbled on the Motley Fool back in August -- after purchasing a computer. I read the 13 steps to investing and was struck by how much sense it made. I had that feeling of, "Why hasn't anyone told me about this before?!" Since then, my partner and I have put ourselves on a strict credit card repayment plan; indeed, we haven't even *used* a card since then! I've given copies of the Motley Fool books to my sister and both brothers and tell all my friends to read them. The Motley Fool Web site has truly changed my life for the better. I have little doubt, Jim, that there are many otherS like us out there. THANKS TO THE FOOLS!

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