McCyberDude. Always trade with settled funds so that you can exit at any moment.
I have read several posts lately by people saying since they don't have 25k in their account so they can't go in and out all day and need to wait for money to be avaible on settlement date.
This will kill the small trader waiting while they see multible opportunities go by. I can go in and out same stock all day. I'm a small trader. Limited amount of funds.
Find yourself a broker like Ameritrade/Freetrade.
Set up a margin account. You will no longer have that problem. It will read you need 25k in your account but it isn't necessary. If you use your margin abilities that's where I believe you run into trouble with the rules.
I never do use margin because I don't feel I'm good enough to do so and most of the stocks I trade in aren't marginable. Once I'm out of a trade, I'm ready for the next one.
My account money I use is my money not the brokers margin money. Been doing it this way for quite some time.
I asked an ameritrade rep why it says I owe the difference between the amount in my account and the 25k daytrading rule. I was told do not worry about that as I was using the margin account to get by the rule but since I never used money that wasn't mine no problem.
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