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Thank you, all, for your valuable input here. Especially thanks to littlechap. (just count the words he/she typed in. :-)) Of course, other Fool's advices to me are very informational too. And I decide before I can learn the basics and define my goals and risks, I will, like CABob suggests, put all of them into one retirement fund, then I will make the changes as time comes.

Another thing I want to ask, if any of you know, how about the Money Advisor service TMF provides? Are they good? It's worth for me to use them to help me do my personal financial plan?

thanks again!!!
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