let's start with ar zella in ohio arzella? >> boo yeah to you >> boo yeah right back. >> i'm trying to get a better insight on a mutual fund are they a good way to diversify? >> you know what, i've got to tell you, arzella, here's the problem. a lot of people have 401(k) where you have to have mutual funds and you can't pick individual stocks. for that they are. i like to have 20% international, 50% growth, the rest will be kind of a balance situation, maybe a fund that has some bonds you have to depend on your outlook and your age but yes, mutual funds are fine look at some of the performance records in morning star, that's what i do. stewart in florida, stewart? >> caller: jim, what's the best time to use stop orders after you purchase a position? >> we're not going to do that. because you see, if we're going to trade actively, we're going to have to pay attention to it if we're not going to trade, we're going to invest. what could happen? you'll have sold the stock and it bounces right back. you'll say what the heck happene