Kirk...Very good advice. Can contribute 4k per yr., wife can also, tax free coming out at 59 1/2 yrs. old, can trade within and no 1099 to worry about for your sales. Initial contibutions can also be taken back out tax free with only small fee to brokerage for doing so. Can really grow with homerun on PTSC or others. OT: I got very lucky having some ethanol otc`s gshf,vrdm,insq in there a few weeks ago. Talk about timing. cybr I had looked at because of the alt. fuel part with efti, but I don`t understand the whole merger deal and castcrete aspect. Maybe u could post OT or email me joamval@yahoo.com. Were they out of Tampa?...If so... could go there for you.joe