I'm an independent trading my own account, but with a successful business/career that gives me time + opportunity + capital to explore this.
About 10 years ago... I was just out of college, and like many of the hot-shot daytraders who still storm into the "Trader" forum claiming it should be easy to make 5-10% a month/week/day. I was using MBT way back then, too. I started off with $20k of borrowed money, and lost about 60% of that within 6 months. Tuition paid.
Now I'm back after making my fortune in the "real" world, and I (hope) wiser about the trading world. I'm not day-trading, and instead am automating a multi-day statistical arb strategy.
This board is mostly for traders hence the word "Trader" in its name. I guess you'll need to add that category or you should be asking that question on a different forum.