Found another option that may work but I haven't figure it out yet ...
h*tp://wordpress.org/extend/plugins/post-snippets/
Ok, all snippets have to be pre-defined in a WP admin add on for the plug in ... it is designed for saying/phrases you use often and not particularly for the way I envisioned.
h*tp://wpstorm.net/wordpress-plugins/post-snippets/
Still not there ...
I'm sure I'm not the only person in the world that could benefit from this?
