Here is my recommendation, if you are thinking about using waterstreet for investments, dont. They make money whether or not you do and they as a company have lost hundreds of thousands of dollars for farmers in our area. Their formula and spreadsheets all look so neat, but at the end of the day, waterstreet, does not pay for itself. So, my recommendation is do it yourself, open an account with ADM and hedge your own grain, then you will not have to pay someone to make decisions you are capable of making. This will make you a lot happier when you actually make money.