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I agree with rookieJoe. Put 3K in before April 15th as 2003 contributions. Then put the other 2K in at the same time for 2004 contributions.

Personally we use Scottrade to purchase our IRA's but go out and research what is best for your situation.

If you do a search on VTSMX and VFINX on the boards, you will see many here recommend these index funds for new investors. My family owns both.

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