Madigan,

> I have never invested in the stock market since 1987 except 
> for my 401k which I kept in very conservative mutual funds.

I have been invested in the stock market on and off. Right now I have
nothing in the markets, but we do have a college fund for the grandkids.
That fund is invested very conservatively and has actually increased in
value as the market crashed.

Kristyne McDaniel
http://www.kristynemcdaniel.com/blog
http://www.emryldadvantage.com/
http://www.mcstyles.com/
 
Whether you think you can, or you think you can't.... you are right.
 -- Henry Ford



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