Cobalt and Witty...Thank you for the replies. First off, when I say new to investing, I really mean new. I'd like to know what you mean Cobalt by "fins". And Witty...to be honest...I'm not really sure what I mean...I have waayyy too many questions. I guess one thing I am figuring out is....if you're gonna be serious about investing, be prepared for a LOT of research.