I knew I had it made in 40 days. I began with 200 dollars less than William J. O'Niell. In 27 months WJO'N started his empire. I waited for 5 years where two of which my salary was less than commissions. (My job was fun and games) Taxes were high in those days ('57 to '62) I didn't move to Switzerland until '66. And I did come back to a rural life (Bucks Co., PA) You have it made. Use credit to buy toys with interest only brief loans secured by stocks in market name. Make the decision to use money to make money in two weeks. BE DO HAVE