谢谢!

My D was graduated this year.  She wanted to save money if she could find the provider who accepted my insurance.  She can buy it from her work place.

My return is not as good as I planed and the financial planners told(like in 1997 ~1999, avreage 10 ~ 12%).  I learned my lesson from 2000 to 2003.  But, over did it from 2009 ~ 2010. The way worked well last year did not work this year.