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Thank you, everybody, for your insights. I'm sorry for using confusing language. Thank you 2gifts for the great explanation. I will call my broker and get all of that done.

Rayvt, the reason I would move to Scottrade is that they actually have a local presence here which is good for me since I'm so inexperienced. They were actually the cheapest when I signed up with them, but I make trades so infrequently, it's probably not worth trading brokerages for that reason. But I hear what you're saying and will take it all under advisement.

Thanks everybody for the input. Again, sorry for the confusion.

Caat
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