Sure, you could just make something up when faced with the Whats, Hows and Whys, but it would be better still to actually determine a response in which you genuinely believe, even if that belief is newfound, and even if that belief is shrouded in mystery or fantasy.

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Senator STEVENS: It may be that what we've done leaves an impression we've done something wrong, but you have to make up your mind you're doing something wrong, you have to have an intention to do something wrong to really be guilty of a crime.

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The photos you took with your cameraphone make up something like a Facebook photo gallery.

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Presenting is not the best way to transfer a large body of facts to people, but it is the best way to make people sit up and take notice, to make them understand that you think something is extremely important, and to convince them that they should think it is important too.

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You must leave something of value to the folks you expect to stir up trouble to make it work.

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Outside the investments that make up your portfolio, something else you might want to examine a bit more closely is your financial adviser.

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But remember, you need to be disciplined if you are going to forgo a 401(k) for an IRA--make sure you set up an automatic investment plan for the Roth, something you can do through many mutual fund companies.

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