FWIW, I've been managing my own portfolio of stocks and mutual funds for awhile now and I've become the go-to person in my circle of family and friends when it comes to investing money. While I try to give them pointers as to how to invest their money (especially as it pertains to risk management), it's hard to properly get this across in a 15 minute discussion at some random get-together. They end up asking me what brokerage firms I recommend for stocks or how to invest in mutual funds, etc. but it's one thing to say "go to somesite.com and sign up there" and for them to actually do it. While I realize that MacRumors isn't a hotbed for investment-related information, we do have several well-informed members. Thus, I pose my two questions: 1) What are the legal implications of investing OPM on this small scale? 2) What are your opinions on doing this? I aim to make it easier for people that I know to invest but not if the foreseen burden on myself is too great. Thanks for your help!