Well at least you admit that you need someone else to tell you how to invest your money....though you use "ppl with jobs" as an excuse for that need. And I was referring to the spread between long term capital gains tax and short term.....that would be 3-7% depending on your tax bracket / AGI. But that is not relevant in retriement accounts...because they are not taxed until you withdraw funds. But even so...if I hold 100 core shares of DOCN and trade another 100 shares several times and it brings down my cost basis of the core shares by $37 / share...the 7% cost of doing that is inconsequential.

What was the premise that Motley Fool built their website on initially? Do you know that? Back in the late 90's....they believed that each individual should learn to manage their own money and not count on someone else to do so at a cost. At some point they realized it was much more lucrative to be the person telling them how to manage their money. Why is that? Because they are "ppl with jobs" that rather spend money to have someone else tell them what to do.....sheep. I have worked since I was 15.....even before but that is when SS was being recorded. I still believ ein what mothley Fool USED TO TEACH!!!

I never said "I" was offended.....obviously too many words for you to comprehend...thus the simple mind. I have spent enough time writing you...but will say this. The younger people that come to these websites should not be led to believe that buying and holding stocks for 5-10 years is the only way to invest....it is a way for those too lazy to learn how to invest properly. There are many ways by which a person can determine how & when to buy & sell stocks - the MF version is for the most simplistic of minds