Did you ever see gray/ green stuff growing on three branches, grassy green layers on rocks and a spongy looking thing growing out in the woods in a very shaded area or mushy looking mushroom flowered spores and wonder what it was? You probably said that is some kind of a moss.
Well what you saw was lichen. Lichen is a symbiosis. That means that it is two or more organisms living together such that both are more successful within the partnership than they would have been if they were living on their own. With lichens the basic components of this partnership are 1) a fungus called the 'mycobiont' and 2) one or more algae and/or a cyanobacteria called the 'photobiont'.
Lichen make look cool but in time it will kill the trees.
Mutual Fund To Check Out
I was recommended to check out Vanguard mutual funds. I am a day trader so I done some digging into there fund family. I was very impressed with the over all returns so I invested into this fund family and within 4 weeks I am already making a profit. Depending on your age and circumstances a Roth IRA is a very good way to go in the long run. Check out the Vanguard overview and it maybe a good fund for your portfolio as well.