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Hello fellow fools,

I am just starting to learn how to invest. And would appreciate any advice or helpful comments.

About me:
I am 32, married with a 3 month old baby girl and have no debts. I make about $3-4k a month, currently working p/t as I help to take care of our child. I have read alot of books about personal finance like `the millionaire next door`, `your money or your life` etc. So I try to save money every month, put lose change into a savings box every day and keep an emergency fund at home.

I have no previous investing experience. I do have some money in an investment account with anglo irish bank. I invested this money for 4 years. The four years will be finished next year, so I can withdraw it from next year. The capital amount I invested is guaranteed, so I have`nt lost anything. However Anglo was nationalised by the Irish government this year. So I have`ent gained anything either.

I plan to invest about $20,000 This is not all of my savings, so I am prepared to gamble with this amount, but obviously I would hate to lose all of it!

I was thinking of buying transocean stock (RIG) and Pfizer.
Should I spread my money over 10-15 stocks or a smaller amount.
For example put 50% of my money in Transocean, 25% in Pfizer and divide the rest between 4-5 riskier stocks? My goal is capital appreciation.

I plan to open a stck account with Zecco, or Etrade. Is it easy to withdraw money from your stock account to your bank account? My bank account is in Ireland.

thanks alot,
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