I believe that giving direct financial advice to individuals on a chat room board is both unethical and illegal. It is one thing to shoot the breeze with fellow knowledgeable investors , but when abviously naive individuals show up with serious financial problems the bullshitters on this board should have enough sense to pass and refer them to a legally qualified individual. I don't believe anyone on this board holds a series 7, series 65 or has a CFA or CFP or any other designation that would qualify him to give financial advice. Even if they did, it would be required to give the person a disclosure to read and sign before giving such advice. That the local gurus blithly ignore these issues and spout off advice from the top of their heads is really, really reprehensible... and could shut this board down.