return but he doesn't like annuities so he built his own and his idea, he has $10000.6710 year tips, ibi jy etf way to do that and he put the rest in stock market index like spy or bti. by his calculation of the market falls by 50% over ten years, highly unlikely, he would still keep up with inflation in the normal stock return is in 8% after inflation return on that investment which is kind of interesting. elizabeth your market ideas. >> value stocks that it been under a cloud for a better part of a decade but some say it might be the time to shine because s&p 500 is up so much for diversification it helps to throw money to unload part of the market. jack: that's a good idea. a nonfinancial broccoli if you get the check elizabeth, splurge a little bit what would you buy. >> 5% or something is your hard-earned money coming back to you, i need a newark bag and a purse i'm going to get that. >> i would say i'm a big fan of broadway in a hot new musical called stereophonics and i'm eager to see that. jack: with places on broadway you need the refund. >> i like to play around with my synthesiz