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Wow! I'd heard that the Fool discussion boards were a great place to go to look for helpful advice for newbies to the investment process, but I had no idea I'd get such great help so quickly.

I went to the T. Rowe Price website, but it still confuses me. How do I choose which funds to use for the IRA? I need a SEP-IRA for myself, and it looks like a ROTH for my son. I also couldn't find where to look for what they charge to do the services. Aren't there places which charge very little?
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