Yes Kherson, thanks, I am aware of these procedures and as a matter of fact have excecuted all you mentioned myself in the past while. The sad thing is, my brother doesnt even invest YET, and I am only now telling him of the potential. He does have mutual funds in rsp,s , but i dont think he realized he could do much better UNTIL TODAY. I hauled my last bit of money out that was held with an institution a few months ago. I compared a freinds gain friday that has money in the same one I took it out from, the result being, him up 3% , me up 20% plus.