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I am a new fool who has yet to take the plunge, so to speak. I have been reading, researching, etc. and want to open Roth IRA's for my husband and me, but I'm not sure where to do that. Our bank has many charges, I don't have a discount broker yet, (It will be ScotTrade) and if I invest one in a mutual fund, I guess I should just open it with that broker. Also, I think each account should be invested in different ways for diversification but I don't know which way to go. AAAAGGHHHH!!!

Help!
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