We really don't understand investing. Stocks both rise... and FALL. There are always good reasons to avoid investing. You keep insisting on owning individual stocks. You don't know what you don't know and can't know what lies ahead. Plus, we asnwer questions on:

• Selling Apple and diversifying.
• Deciding between an annuity and a bond fund.
• How a Roth IRA can turn a 20-year old into a millionaire.
• Trying to time the market.