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Considering the result you have had in the market before I would suggest you use a different method that has a very high chance of success. I would point you to index investing. Just made a post on the Index board regarding the return of various indexes the link is as follows http://boards.fool.com/Message.asp?mid=15169286

I would suggest probably paying off/down your debt before retirement investments. Depending upon the interest rate you have on your debt (assuming Credit Card) 20% will kill "ya".
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