Jammer,
Please understand that my post was advice, not intended as a criticism.
I apologise if my comment seemed harsh, it was intended as advice and a good economic strategy for future financial security.
I try very hard to not engage in derogatory exchanges on Internet forums because there is no benefit to either party.
It would be nice to see some of the younger members, many years from now when I have been under the ground for decades say.
"That grumpy old fart had a few good ideas."
regards
Mech