Dutch said it. I handed a good chunk of money to " A guy" that was recommended by two employees at my wives work. I lost at least 10k with him that didn't need to happen. Nothing good came out of that little firm in the small town. And like Ribka's mom said " but they're so nice" Yyyy aaahh, they are making 15-20% off of your money. The Vanguard total stock market exchange ( VTSMX) will give you a balanced fund of 3,400 companies. Some bond stocks and call it good.


But the fruits of the spirit is love, joy, peace, patience, kindness, goodness,faithfulness, Gentleness and self control. Against such things there is no law. Galations 5: 22&23