Well said NanaBelle. Buy and hold. Ignore the BS.

Well said NanaBelle. Buy and hold. Ignore the BS. Also, I'm sure the incentives for college students are still in effect, but I'm not sure how well it's been promoted recently since I don't remember who was primarily responsible for promoting it and I haven't looked into it at all since it was announced. Good thing is that's mostly because I've already done enough DD to give me a really warm & fuzzy feeling about the year(s) ahead, and I've been a little too busy lately to follow up on all of their leads.