Whichever route you choose to follow whether looking for you own agent or using the one that is assigned to you, you should probably ask your agent:Do they work with investors and understand investments?

The first time I was trading in my cell phone at the tmobile store, and the clerk kept looking at me, and my name on the computer while we were talking...and he finally asked me, are you Russell Brazil from Biggerpockets. 

Adding to @Bruce Woodruff: I found this on the Illinois Government website: "If your change decreases the tax due to Illinois and you want a refund, you must file an amended return (claim for overpayment) within three years after the extended due date, three years after the date your original return was filed, or one year after the date your Illinois tax was paid, whichever is latest."

I've been running great for 2 years with my cell phone pictures.

Prepaid cell phone and number that you can turn off or forward after hours?

@Kerry Baird that works on my cell phone but for some reason not on my desk top computer.

I've held out for a couple years having a Palm and a cell phone, but I'm finally breaking down.O7S, I am curious about your Treo, what don't you like about?

In this example, offer to pay 12 maybe 14% plus 20% or 5K, which ever is greater.

Whichever agent you're using can provide this.

After I mentioned we had been looking in Cordova, he pulled out his cell phone and showed me the one we bought - brick, whirlpool tube, etc..