http://www.youtube.com/watch?feature=endscreen&NR=1&v=iacqPzW0ukM It always amazes me the stupidity of Americans. I had a guy yesterday roll $500k into an Edward Jones IRA charging a 5% sales commission because the advisor was a buddy from high school. Who called him 2 weeks ago, for the first time in 30 years, and said he should roll it there. He just paid $25k to somebody to put his money into a template mutual fund that he could have paid $8.95 to do for himself at Charles Schwab, or for free with me. To add insult to injury, the fund he was going into has underperformed ALL of its benchmark indexes for the last 15 years. You just can't fix stupid.