hmmmm, I get that you would just want to have bench-mark of R to R ratio never below 3. Also, I get that you would want to go defensive with monies with the hope that higher probability of making bigger profits are basically beyond your control. Or say, it is dictated by quirk of fate beyond what one can humanely calculate. Neways, I am still learning. Ani, if you don't mind, can i learn a little about taxes and commissons part. As far as I get it, it seems that 10 dollar for each transactions is what I pay at TDAmeritrade. Dunno about taxes part since I have not filed it for stocks since 2001. This input or say insight would be highly appreciated. Best~! -B ps retiring now, gotta get some sleep after hectic week-end. DC weather was not that great either.