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DOW tops 12,000; are you investing for retirement?

Full news at Bloomberg. This milestone is a good reminder that the stock market can be a great place to invest part of your retirement savings--especially if you're young and can tolerate higher risk. There's still time this year to open a SEP-IRA or individual 401(k) so you can take a deduction on your 2006 tax return. Read about tax-free options for the self-employed at Smart Money.

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