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Thank you Spaminetti,

I like the idea of laddering CD's, the concept is fairly smart and simple.

I'm not exactly sure what sparked me to start my whole investing frenzy, but it's been really exciting simply learning. I've started to develop a "money conciousness." I have a few goals in mind that I really need to get the ball rolling on.

- Start an ING Direct Savings account (BofA pays jack)
- Right now just savings, as the rates on CD's they're offering are the same for 12 month terms
- Refinance my auto loan (I have very good credit, and I've been paying 9% why? Because I'm lazy and haven't refinanced)
- Leave my stocks alone for a while! (I was pretty giddy making my first purchases. Now I need to exercise some patience and leave them alone.)
- Cut my spending (I've already started doing this, and it's pretty amazing how much money I would simply throw away on junk)
- Decide how much I want to put towards retirement at this point (400 a month seems reasonable for now, but I can't do a thing with that money unless I quit, get fired, or retire, so I need some short term investments)

Some longer term goals

- Pay off my debt (shouldn't be too hard to do)
- Save for a house down payment
- I don't have kids, but I probably will down the line

Anyways, thanks again. I'm still confused as hell, but at least I have a much better idea of what I want to do.
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