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<<I am thinking I would open Roth IRA account(s) using a separate discount broker (different from
the non ira account discount broker). This is so that I could get a good deal on IRA a/c from a
broker that do not have other good services that I am looking for. Is this unFoolish to do?>>

You have to decide. Go for whatever services and value meet your needs at the price offered. My choice is Waterhouse for everything -- IRAs and after-tax funds.

<<Also, do I have to open a separate Roth a/c for my spouse or could I put all $4000 in one Roth a/c
itself every year?>>

The "IRA" in "Roth IRA" stands for "individual retirement account". Can't have two individuals in the same account, as I understand it.

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