I wanted to take a moment to catch you up on a few things. The first thing is that I wanted to point you to Helen Maynard’s Affine Financial Services blog, where she recently posted the very well-written article ETF’s vs. Index funds: The good, the bad, and the ugly where she makes some excellent points in comparing and contrasting these two investment vehicles. Give it a look, you’ll learn something, I’m sure!
Secondly, I wanted to direct you to another blog, Bad Money Advice, by Mr Frank Curmudgeon. Frank’s outspoken and cynical reviews of various “mainstays” of the financial world is priceless education. Recently, Frank has been writing a series on Dave Ramsey’s advice, (starts here), and I have to hand it to Frank, he’s hitting the nail right on the head. The gist is that, while Ramsey does make some valid arguments (more good than harmful), parts of what he evangelizes has a spin to it that is difficult to ignore.
And lastly, in case you happened to miss it, there was an interesting article with a quote by an interesting fellow in this month’s Money magazine.
That’s all for now…
Click the link to pick up a copy of An IRA Owner's Manual or if you'd prefer the Kindle version (and let's face it, ALL the cool kids do!), you can find that at this Kindle version link.Jim Blankenship, CFP®, EA, is an expert in personal retirement, IRAs, and tax issues, with more than 25 years of experience in the industry. Read more from this author

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And if you've come here to learn about queuing waterfowl, I apologize for the confusion. You may want to discuss your question with Lester, my loyal watchduck and self-proclaimed "advisor's advisor".