I beleive ib7 is new to investing. If everyone dont mind, lets help him/her out when questions are asked. We are starting to see more new retail investors everyday and i cant say i blame them.Its a big responsability to manage your own investments and i appreciated everyone that helped me when I got started. So, dont be ashamed and ask your questions, these boards are a wealth of info and we should help each other out. The little guys should stick together, the more the merrer!