ME: LESSENING TO PEOPLE&FAMILY; ON FINANCIAL ADVICE; PEOPLE SAYING DEFINED BENEFIT PENSION PLAN IS AWESOME; FAMILY &FRIENDS TELLING ME THAT, STOCK-MARKET, SHARES, SILVER & GOLD IS GAMBLING; HEARING THE SAME PEOPLE SAYING IM GOING TO BUY LOTO TICKETS, WHICH 1 TICKET PER WEEK FOR A YEAR = 384$. YOUR THE GAMBLER! YOUR THE ONE TOO TALK! HOW ABOUT YOU GO AND BUY MORE IBM STOCKS YOU PENSION MANAGER DING DONG OR MATTER AFFECT HOW ABOUT YOU READ A BOOK CALLED ONE UP ON WALL STREET OH WAIT, THATS TOO MUCH RISK RIGHT. WELL GOOD LUCK ON THOSE IBM STOCKS THEN.