This post by Jill Schlesinger originally appeared on CBS' MoneyWatch.com.
Ray Martin was in the house for a quick episode of "Ask The Experts". If you have financial questions, for next week, send us an e-mail: email@example.com.
Jill Schlesinger is the Editor-at-Large for CBS MoneyWatch.com. Prior to the launch of MoneyWatch, she was the Chief Investment Officer for an independent investment advisory firm. In her infancy, she was an options trader on the Commodities Exchange of New York.