More investment advice with long-term savings potential from financial guru George Chamberlin:

- Spend to save. There are some very good books on investing. Camp out at the bookstore and take the time to find a couple that you understand. Don't be embarrassed to buy a "Dummies" book.

- Invest in your children or grandchildren. Those 529 college savings plans and Coverdell accounts let you save for your child's education and avoid taxes.

- Never forget that it's your money. No one will be as concerned as you are to save money on your investment activities.