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 Frequently Asked Questions (FAQs) Q: Do you recommend risky investments 
                    such as options, commodities, penny stocks, and futures? A: We do not recommend commodities, penny stocks, or futures. Our main recommendations are based on 
                    using stocks and mutual funds as the foundation for a portfolio. 
                    While it is possible to use options to decrease a portfolio's 
                    risk, they are usually used in such a way as to increase risk. 
                    Occasionally we recommend a few options, 
                    but these are suitable only as a small part of a portfolio 
                    and are best left to experienced, risk-taking investors. We 
                    prefer investing in a safer manner, with diversified portfolios 
                    of stocks and mutual funds.                   
                     
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