...joint accounts amongst famil y , gives one a little more flexibility amongst joint accounts.Yes the wife has her account, but i am also joint so i can trade as i see opportunity. Yes she will claim the higher tax rate, but i have the flexibility to move shares amongst my other 3 joint accounts. T he two kids are joint on these so i can move funds as they are in the lower tax bracket, i see myself as joint on four accounts and their accounts as a 25 % holder and myself as a 50 % holder. I kinda feel i am ready for Winkin ,Blinkin and Nod to move in on the Greens, as i may Wink or Blink or maybe pass the Nod. Learning to live on the Greens. Long On The Greens. Trapss7