silver, one of the golden rules is "never use wine money to buy stock". use wife's hair-do money or the grandkid's college fund money as half of them wouldn't get any benefit from going to college. they already know "damn well every that's important in life and love by the time they reach the teens. i heard about one dude from nyc that took away his wife's annual gershwin theatre tickets to afford some hrct stock in the .03 range. nothing has come from the purchase yet but if another 3-1 split happens, the sears catalog is a thing of the past......good luck siler (always a faithful friend to the lone ranger)....hb