.Robber 65, i know you said your spouse did not want 9.5 cent shares, but. sometimes one has to follow through on what is the best avenue for capital gains.I opened joint accounts with my children and since i control the buying and selling a mongst their accounts, i can create gains or loses to suit our needs, kinda gives you more flexability how , or who has the room, at years end, buy low sell high, just remember to stay on their good side.Traps7