There is a lot of misinformation here from both pros and cons. But, of course, I know that you folks are just enjoying yourselves from adjoining cubicles. I've never seen more nonsense on a comment board. Any new folks here, don't pay attention. This is not the place to come for anything but a few laughs.
So why should you care? Are you such a wonderful human being that you are legitimately concerned about my financial well being? If you are, leave your mother's apartment in Hong Kong, come here to Buffalo, NY and sit down with me and help me rebalance my portfolio. Otherwise save your comments for yourself.