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Do you need to go through a broker to buy a mutual fund? What's the difference between a mutual fund and a brokerage account? Today's Stocks & Topics: ETFs, SCHW - Charles Schwab Corp., Millenials & The Economy, Inflation, Dividends, STZ - Constellation Brands Inc. Cl A, Treasury Bond – T-Bonds, AMAT - Applied Materials Inc., Risks To Owning Municipal Bonds, Buying Apps, Municipal Bonds, BMY - Bristol-Myers Squibb Co., LYG - Lloyds Banking Group PLC ADR.