10/24  Another stock question. If 70% of the trades out there are bot
       high frequency traded, then what is the point of those Moody ratings?
       Is that to tailer for the other human trades?
       \_ If you have been in a poker game for a while, and you still don't
          know who the patsy is, you're the patsy.

10/24  If I trade my 401K stock on a quarterly basis (reshuffle/reallocate),
       are the gains considered capital gains?  How much is taxed on 401K gains?
       \_ You don't pay taxes on your 401k until you withdraw it.
          \_ Plus you can re-invest your gains again and again without being
             taxed first.  E.g. if you invest $1000 and gain $100, you can
             re-invest the whole $1100, without being taxed on the $100 first,
             to gain another $110.  Then you can re-invest $1210 to gain
             $121.  At the end you are only taxed once on the total gain of
             $331.
             \_ Presuming that the initial investment was not taxed, you will
                actually end up being taxed on the whole $1331 as it is
                withdrawn. Is this a Roth 401k? Depending on your age, a
                Roth 401k might make more sense. A standard 401k is taxed
                as income (not capital gains) as it is withdrawn, so it kind
                of depend on how rich you expect to be in retirement.