The following questions and answers are excerpts from the column I have written for the Journal Newspapers, Friday Home Report over the last 6 years.  You will notice that the answers vary regarding the volatility of the market.  These should be used for information purposes only.  Your individual needs will differ.  Please call me directly @ 1-888-466-3411, or e-mail me, ChrisDowney@erols.com. By following the links, you can read my responses to hundreds of questions that folks like you have asked over the years.  Pick a category and read on. Good Luck.