If you are opening an IRA, you cannot select the "$14.99 all you can trade" or the "$6.99 with two trade option". IRA's are exempt from B&H's monthly charges and these offers. Probably because these accounts are subject to maximum contributions annually and that some would feel being forced to be in either plan would be a huge expense for an IRA ($83.88 for the $6.99 option and $179.88 for the $14.99 option)Within an IRA, if you do not establish a monthly E-Zvest within 30-days of opening the account, they will charge you $25 on an annual basis. Your trades for an IRA are $2.99 per trade period. So you have to weigh whether you will at least buy one stock a month via e-zvest at $2.99 per trade ($35.88 for a year based on 12 trades at $2.99), or buy infrequently during the year and incur $2.99 every so often and pay $25 annually. Here is a list of the charges... http://www.buyandhold.com/bh/en/about/fees.html . In the end, it all depends on the number of times you will trade and how much you will fund your IRA.Mike
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