OT: Motif Investing This is a little off topic. Motifinvesting.com is an interesting andnew brokerage where you can set up a pre-selected, personalized, or totlly unique motif (group) of stocks. The advantage is that if you wante to dollar cost average (say) the streamers (20% SLW, 20% RGLD, 20% FNV, and 40% SAND) you could with one commission of 9.95. I think it is 4.95 to buy or sell individual stocks. This is really ideal for managed accounts and for playing ideas although I try to keep any motif to 4-8 stocks in taxable accounts because of the added paperwork when the stock positions are sold. For tax deferred and tax free accounts, a large number of holdings in a motif does not cause that problem. I am not recommending motifinvesting.com; however, just thought i'd bring it to your attention. There are limits and all stocks have to be US listed. One small plus is with bank transfers the money is usually available in the account for trading the very next day. Again, this could be great for IRAs and accounts where you have a position but want to added on a dollar cost averaging basis to a number of stocks at a relatively low cost. Final word: You can customize any of their pre-set motifs (best to use one you do not like) by removing all of the stocks and just adding what you like (any one or any number of sectors). GL