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I normally live in the cyber world of investors using a variety of channels/sites to communicate with analysts, brokers, hedge fund mgrs and investors. Many of my business associates lost friends two years ago on September 11. A few firms located in the WTC, above where the planes struck, were decimated that day.

Yesterday, one of the analysts I admire said he kept his kids home from school. They went out an bought a range of foods and took packages down to their local police and fire stations. I thought this was a great idea. Although I live far from NYC, and I first read about this in the afternoon, I did some fast shopping for a few cheesecakes and at dusk dropped them off with a simple expression of thanks for the public services.

I regret that my kids are off at college and could not participate today. Perhaps we will make this a family tradition in the future.

Thanks for you patience as I digress from the technical questions about IRAs and Roths.

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