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(remember that until April 17 you can still contribute for 2005, so you could potentially start out with $8000 in the IRA)

jrr7 - If I've got $4000 to invest right now, would you recommend starting one Roth with $4000 in it or two Roth IRAs (one for me and one for my wife) with $2000 in each? Does it matter? After the initial deposit(s) I would make monthly contributions. Also, if I open a Roth IRA can I make my initial deposit be for 2005 and have my monthly contributions go towards 2006?

The paper portfolio is a great idea.

Thanks again, much appreciated!!
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