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Thanks guys. I guess I must have confused the minimum fee with the account maintenane fees if you don't have at least $10,000....

I always feel like I'm ready to take the plunge and open an account, then more questions pop up. But I do feel like I want to open an account with Vanguard. Then over on the Discount Broker board, it seems like people complain about this broker or that broker.

In regards to a CD, it wouldn't be huge, just a couple of thousand in a couple of CD's, that's why I was thinking of an IRA with a credit union.
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