Subject: File No. S7-15-10
From: Doug Hall
Affiliation: peasant

October 19, 2010

i am a small investor who has a lot of my retirement money in taxable mutual funds. yep, taxable. this is because i have only had a 401k plan for a short period of time. the previous fifteen hundred dollar limit for an ira didn't help me much. i even bought into the variable annuity scam. cost me a lot.

i feel like i have been screwed royally by most of the "manipulators". i believe that the individual has been, is now, and will always be at the mercy of the "manipulators". looking back i see where i have paid out the butt for piss poor management. fee, fee, fee, fee, tax,tax,tax (if you can get a profit). freedom, not "fee numb" .it is like being mugged yearly, semi-annually, even every blooming transaction. if you want to allow all these fees, why don't you at least allow us to add them to our cost basis and reduce our taxes for retirement. big business get all the breaks. where's our break? i forgot, when we're broke we might get to get free soup.