Nice and well thought out post Jose`@josevas217. Honestly I do not feel the need to take risk. I worked long and hard all of my life and have a couple of retirement incomes plus I am still working offline for my son's Wolff Contracting business as the Lead Truck Driver. When I am online CTP is one of my highest priorities and it has paid me well over the years (Total Paid: $2324.49) It is good that you do not risk more than you can afford. Wishing you the greatest success. Oh! And BTW ... I am following you now. :)