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cavalierking
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Yes, we must be vigilant, but keeping up can be a full time job at best. Staying away from the "big guys": Merrill, Morgan, Fisher would be a good start. Employ someone who will correspond with you regularly and explain why the investments that are being made are right for you. Some investors are really and truely more interested in their commissions than the investments that will be right for their clients...been there. Young people are especially vulnerable because they feel they have a life-time to accumulate their wealth. Every dollar counts, kids, every dollar. You will never know how much you will need when you retire...your health may be a huge factor, not just life-style.
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GEEZ..Let's just get the down and dirty..Does it work or not?