[tabascobobcat]

In all fairness I realize that I owe you guys a little more of more of a story to help with the ideas and suggestions.

I accumulated the $$ thru smaller monthly deductions over the past 15 years in VNG Index 500. The $$'s are now gaining more in interest/dividends than I am putting in. I am 40 and have a wife that just decided to quit work and have kids. So now she is spending instead of earning. Big impact to expendable/discretionary income. Will is 2 and Ben will be born in 15 days. The only thing that we owe the bank is the 5.09% interest mortgage loan. All cars are paid for. The 401K deposit is 10% and I have started a 529 for the kids which is only funded up to the state max tax deduction. The kids can pay part of college too (but that is a different thread).

I don't anticipate a planned use of the $$ for about 5 years until I need to replace one of the fleet or get the Targa painted. I would like however the $$ to replace the need for the wife to watch one of the neighbor's kids to help make ends meet.

My cell mate at work next to me is in a similar situation. One year ago he gave his broker the go ahead to try the vertical credit commodities deal. He returned 89% last year and 12% last month alone. Makes my 15% with Vanguard look stupid and got me to thinking.............

I appreciate anything input you guys may have as I also realize that many of you have a wealth of knowledge in this area.
Thanks