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Hi Suz,

  Maybe I can help.

  So far your going into the right direction

putting money into a "Roth IRA" this is the best

investment around. Pay taxes first, and watch your

money grow. First you and your husband should sit

down and find out what "Goals and your Objectives"

are. (For example: Do we need the money in 10 yrs,

15 yrs, or 25 yrs? you should invest into growth funds

including, international funds. 

 Now you'll need six months of "Living expenses" or 

"Emergency funds" as this includes, a good bond funds

(I have "Invesco" fund name,Industrial Income).

Always stay with a No-loaded funds, why, because

you pay no commissions or fees are low. Check out

www.morningstar.com These guys keep track of ALL

funds. Here I enclosed some sites that'll help

you and I know www.Fidelity.com has a company over 

there check them out. 

Other sites:  www.schwab.com or 

www.bloomassetmanagement.com

I hope this helps you out?

If not let me know!!

Invest wisely and fool on....


TPaine



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