Hi Fellow Freepers, I am conservative to the core, and have been a long time lurker (8 years +) here, but I was finally spurred to set up an account. I wanted to get some advice. The potential stakes are high and I wanted to post this here because, as a group, you are the smartest people I know. I know my FRiends here will tell me what I need to know I am a 58 y/o professional with a good job, and my wife had been a stay-at-home mom since our children were born. In mid 2010 we purchased...