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FYI: My 8-year-old daughter recently reminded me of a math riddle from when I was a kid: "Would you rather have a million dollars right now, or one penny doubled every day for 30 days?" The answer seems pretty obvious at first blush--take the million bucks! Who wants a pile of pennies in a month? Regards, Ted http://www.morningstar.com/articles/865683/8-great-starter-funds.html