Thanks for your reply. Using etfs is only a recent vehicle for me. Prior to this was all mutual funds. I may yet do some TMG trading with 2x-er funds.
OT: By the way, we are on tap for WDWorld second week of January. Coasters here we come. That will be during the baby girls seventh birthday. We are late getting it set up because it took some calls before my wife could knuckle someone down on price; $285 total for a week in a condo one half mile from the west gate exit. A corporate sales guy and friend of ours says she is the type of buyer he dreads LOL.