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[WayneC777]

Ok I here what your saying but it is sounding like it is conflicting ...

1 - short-term = my income tax rate (.10% to .35% approx) depending how much I make

2 - Meaning:
- A - long-term = approx 12% "ONLY"
. &
- B - Tying my money up for a Year or more

So you are saying:
A = once I HOLD the money longer than a Year I am automaticly using that
long-term = approx 12% "ONLY"...
Meaning I would "HAVE to hold" the origional investment (the money I invested) itself, for that year or longer.