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Dan asks:

<<when can I start an account? I will be working Jan-Apr
2000. I read about the IRA part but still don't get it.
1. Says deadline is April 15th, what does it mean? Should I invest before that or after that?
2. Somebody just told me if I don't touch it for 5 years, then it's eligible for deduction or tax-free? Not sure which is right.
3. what does "touch" mean suppose 2 is right? Can I actively trade and enjoy the benefits mentioned above without withdrawing or...>>

Go to our IRA area at and read that section in its entirety. You answers should be there; however, if after you have read those missives and you find you still have questions, then c'mon back and ask.

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