Hi Ken and Daria, I just recently came across your website by listening a segment on CNN. I just visited your site this weekend, and I like the live video (s) on various subjects. As a novice investor, I am trying to educate myself on matters of investments, stock analysis, bonds, IRAs, etc. Would like to learn more on how the stock market works and how to read economic indicators, what they mean and how these elements may affect my personal finance/ investments. I have 5 to 7 more years before retirement, and I am saving through IRAs (primarily) and a little stock. I am trying to boost my saving efforts. What do you think about international investments: emerging markets: Brazil, Russia, India, and China. I thinking about a well diversified mutual funds? I know that I have asked a series of questions that you may not be able to address in its entirety. Whatever you can address I would appreciate. Look forward to hearing from you. Thanks