RE:Welcome Newbies . Hey Goldy, a big thank you! I just checked my old PM's and it was you who initially turned me on to FDM back in May last year. I glad I took your tip Also others along the way suggested I try and increase my position as best I could. I did and look at FDM now and those who did their DD KNOW this is going much higher! Goodluck all and let's enjoy the ride!! A big thanks to all those on here who do this for a living who are helping those of us who are trying to make a few bucks to help save for retirement. AFV