Welcome! feel free to contribute your ideas.. I feel 2007 may be a great year for Dave007..LOL.. maybe I'll hit the lottery or something..(I wish!).. and would like to have some groundwork ideas on hand where to make the most 'bang for the buck' on retirement money. Tax advantages, etc. My rather 'comfortable' Uncle...and even my parents really have their lip stuck out on the returns they are getting on CD's lately. Any info appreciated.