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I am not an investor (yet),but I'm going to get started as soon as I get answers to these:

I have about $320/month that I would like to invest in a Roth IRA. Can I have that money invested in a S&P500 index fund. Where? What's the best way to do it to minimize monthly commissions? Do any brokers accept payroll deduction? Is the $4000/year/couple based on a calender year?

I simply don't know where to start. I don't even have a broker. Can anyone help?
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