I know I have mentioned this before but some of yo

I know I have mentioned this before but some of you may have missed it-I suggest you contact your broker and have a beneficiary set up for your account. A year from now who knows how much money your account may be worth and some of us may not be here. They will fax/mail you some simple forms,fill them out, have them signed and you're all setup. Will save a lot of confusion if something should happen to one of us.