You're fine.You've got to start somewhere.Use the time to figure out what to buy. Maybe look on the ETF boards (exchange traded funds) to learn about them. Vanguard ETF's usually have lower annual costs.The market is often lower in Sept-Oct-Nov, then climbs up after that into the spring. Doesn't happen every year, but often enough to seem like a trend.I think the E*Trade site has info on them too. So does MSN Money and Kiplingers.com
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