Merlin kicks things off with a quick rundown of the markets before shifting attention to the current IPO market, and the hype behind the LinkedIn (LNKD) release this morning. Bob Heitner joins the show and helps listeners understand some of the risks of Annuities, and other investment vehicles. Bob outlines how the XLT (Extended Learning Track) is designed to give Very simple rules for investors to follow, so that they can manage their own financial future, instead of trusting an advisor! PowerPick: PAA