Great follow up. Thanks for the detailed explanation. When you put it like that, its obvious. LOL.
I kinda knew that. Thus the reason I never did anything about it. But i wasn't confident that was the right answer.
Next year I should be "back in business" investing. Bought a house at the beginning of this year and it wiped me out. But, my emergency fund is almost done, and then i can start parkin money for retirement and savings (to invest outside of retirement accounts - which i haven't done yet. Thats a whole nother ball game due to the tax aspect that I haven't even started yet). And hopefully with the house this year, I can get something back on taxes to dump in the Roth too. lol
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Albert
My Toy... is actually a 1973 Camaro LT and a '09 HD Dyna. 
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