I am shocked it works that way. It is interesting to know that if I took out my money (any amount) I would have to wait until next year to put it back in (100% + $5000). Makes sense to just leave it there. But nice to have that clarification.

Interesting also that traps says a POA is free at td. And you say that I should have that on all my account with my wife.

As for costs on a POA and will. I personally contacted a lawyer the other day before reading all these reply's.. The will would cost me 350 dollars professionally done and notorized by the commisionaire) and 135 dollars for a POA for my estate. Since my wife is not interested in trading do you think it is still wise to have her as a POA at the online brokerage bank's or is the lawyer's POA document for my estate sufficient.? Thing is I have like 4 bank accounts and multiple visa's, mastercards etc from many different institutions. Sounds like a hassle to have her on all my accounts as POA. Plus she is not good at managing money and I would probably be in the poor house (eating hamburger instead of steak) if she knew she had access not to mention probsbly have a bunch of crap I dont need. No pun intended and I hope she does not read this however I think she would agree anyway, she seems to like my money managment skills.

r65