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I highly recommend the book; "The Bogleheads' Guide to Investing"

http://boards.fool.com/Message.asp?mid=24829541&sort=whole

as a Christmas present.

On the funds that he has available, be sure that you have all the details, sometimes there are different classes of funds so it might not be as bad as it looks, but it still sounds like it could be much better.

Greg
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