I’m going to be 20 and have Simple and Roth Itas established.Out of my money, about 6% goes to the simple and about 3% goes to the Roth. All of this is done throu the adviser. How well off will I be and at what age I will be able to retire?

I don’t even know if I put it right. I want to have a possibility to invest in a local business through my Roth IRA for tax free profits. Does anybody know some names of companies that will do this? References, advice, or people with experience with this are more than welcome to respond.

One is a Roth and one is regular. They were started in different years.

ect.) might be best for my personal situation? Could someone explain the plan that is more important and why this plan is best for me.

I want to open a Roth IRA with Vanguard, but the minimum is three thousand, which I don’t currently have. If I were to open an IRA with Sharebuilder (or some other institution with lower minimums) would I later be able to transfer it to Vanguard without paying fees for cashing it out?

My accountant tells me that many years ago this would have been a terrible idea, but that now it doesn’t really matter. I have some Rollover IRAs and Non-Rollover IRAs that I want to consolidate to help manage my investment strategies. Upon consolidation, they will all become Non-Rollover IRAs, and apparently the only downside is that they will need to be tracked separately if I ever roll the funds over into another employer sponsored plan.

Are there any other disadvantages? I really like the simplification of getting everything onto one account. Should I go ahead and do this?

Thanks.
Thanks for the link, but I don’t understand the “seer or an oracle” comment…

Does this even matter? All the money was hard earned, would they think nothing of it as I could have gotten it from my parents/they did it for me?

this year? Would a rebate only apply if I owed and paid what rebate was going to be paid out to me?
By this year I mean 2007, a traditional IRA which can be purchased up until the tax filing deadline April 15, 2008!
Without the $10k IRA contribution, my tax burden would have been $1600!
Married filing jointly….obviously

Which investing programs should be avoided? What do people think about Sharebuilder?