Tom & Toofuzzy, Thanks for the advice. I have an acct at Schwab with Mutual Funds. So, the volatility of the S&P 500 is better than most funds? or is that just a good place to start? I downloaded the spreadsheet and document and start sim trading and back testing until I feel ready. Meantime I will ask questions of the folks here. What do you think of a gold ETF?....Thanks Jim
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