Greg I have a question for you or anyone with good advise. I have a ira and roth ira if more like when the markets take a dump what do I do take the loss and pull my money or just leave it in there? the company I use to work for had a 401 program and use to match me then I lost that job and had to change to a personal ira program. any advise would be appreciated guys and greg thanks for all your insites