joh h.,

I've got a WHOLE LOT of replies coming for you, but briefly, please tell me where I can get a 10% return on my money and I will scrape every penny I can together and put it there. Hell, I've got some 3.9% credit cards, if I can get 10% I'll max them out and still make 6.1%!!

I can't WAIT to start making 10%!!!

Great post!! THANKS!!!