Hey guys and gals, just got home from the VA office-now that was an experience.. Love the Linkedin post by Dr. Dalton. Would love for my phone to ring?????? Just wanted to point out one little tidbit. I use e-trade-called them and had my son set up as the beneficiary of my account-very easy. They sent me a form and we filled it out and returned it. We could be talking millions of dollars here so I strongly suggest you all do the same. Will save your family alot of wear and tear if something should happen to you. Just a thought. JB