Thanks for all the good, professional advice.   I would like to leave you all here with a few of my thoughts.   I didn’t have time, nor did I feel inclined, to mention what sort of investments I have been looking into, or what my efforts have been over the YEARS.   For the record, Blowhorn,  Blarmston, whoever you are, I did not “just read a book” and make a split second decision about my finances.  With your unprofessional approach with me, I can just see you standing around the water cooler pumping yourself up by talking about how this stupid chick named Penny and her audacity to want to get a better hold on her personal finances without someone as suave and all-knowing as yourself.    Your advice for me to realize my lack of experience, knowledge, and time, which you know nothing of, now do you,  confirms my suspicions of greedy, commission sucking jocks as yourself. 

I have read several books, publications, journals, the newspaper as well as the huge amount of helpful information on the internet from respected sources, you know, that stuff that you all look at.   I can read too, and by the way, it’s called SPELLCHECK, look into it.   You’ll come across at least a little smarter. 

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I do, however, appreciate the professional advice from the majority of you about the benefits of having professional help and not dismissing me as an idiot for considering investing on my own.   I had not totally decided I was going to go at this on my own, as a matter of fact, it scares me a little.  But after experiencing this forum, I'm thinking if you can do it, (at least from observasions of a few) so can I.    I was just looking for sound advice on what options I may have and of course, my concerns on incurring fees on an asset transfer, which, of course, none of you touched.

Thanks for your time,  

Penny

By the way, moneyadvisor, your signature sign off “In the end… it’s all about the bucks..everything else is just talk.”  Holds volumes of incite. 

None of you should waste your time contacting me to get my business.