Thanks for the info. I do currently have Rule Makers in DRIPS. My Waterhouse IRA and has both Rule Makers and Rule Breakers in it. I was considering the FF for my husband's Waterhouse IRA account. I use the web for my transactions which entails a $12. fee and agree with you that the frequent trading is best done in a tax deferred vehicle. I will look further into the RP4.
The Waterhouse accounts are used only for individual stocks, as we don't want to incur transaction fees when making exchanges in our no-load mutual funds. OK, so now tell me what "spiders" are, and don't say they are arachnids or some such thing.LOL