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This book is for the beginning investor. It describes the most basic aspects of saving and investing for the future. It explains IRAs and Roth IRA's, the benefits and differences. It lists several brokerage firms and touches on some services offered. There is a brief description of how to open an account. It explains the benefits of mutual funds for small investors. It specifies the five most important considerations in selecting a fund in which to invest. It also mentions several lesser considerations for additional study of mutual funds.