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Thanks Pixy,

when can I start an account? I will be working Jan-Apr
2000. I read about the IRA part but still don't get it.
1. Says deadline is April 15th, what does it mean? Should I invest before that or after that?
2. Somebody just told me if I don't touch it for 5 years, then it's eligible for deduction or tax-free? Not sure which is right.
3. what does "touch" mean suppose 2 is right? Can I actively trade and enjoy the benefits mentioned above without withdrawing or...

Total mess to me,

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