I am very curious as to how you can make such a broad generalization.

As to SEC attorneys, I doubt you'll find one who will say that your operation avoids SEC regulations and provide a guarantee of that, since they are pretty broad in what might constitute a security, that will be determined by the regulators not one attorney.You'll also find that a broker or investors who have problems in a deal will put any straw man in a bind quickly if they can not cure the problem quickly.

Will, with my ETF's I go for a "Hub and Spoke" strategy.I use 25% Large Cap Value, 25% Large Cap, 10% REIT's, 10% Small Cap, 10% Small Cap Value, 10% Emerging Markets, 10% Broad International.

Some of those areas we would not stop the vehicle or exit the vehicle in broad daylight when I was looking.No need to go there at night when it's that bad!

Number 5 seems to me to cover a very broad range.

Obviously some of my statements were very broad, as I did not want to risk crossing the line on political posts on BP.

I'm looking to place my first bids next week and thus do not want to have to educate myself on a completely new approach.So in a broad sense, I need to know step by step how to use the land trust in fine minute detail.From what I've read and heard about, it is my understanding that you create an EMPTY trust first.

"Hood" is a broad term thrown around with absolutely no real definition.

Again while California and some other states may have some better functioning condo markets, the lessens learned stem from the broad picture of the whole nation.

I generally start very broad and work to specifics.