@chseliam about your etrade question, I called them and asked about the unsettled funds issue. They said it was considered a "good faith" violation. You can have up to 3 every 12 months. So even without a margin account you can exit when you have to. If 3 violations, the restriction is only on each trade. They just won't allow a sale until funds have cleared. But again if you upgrade to margin account none of that applies.