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Go to the broker's Web site. Among the discount brokers Kiplinger's likes are Muriel Siebert, OptionsXpress and Fidelity.
Enter your personal information, including your Social Security number, date of birth and citizenship status.
Send money to the account by check or online transfer. Most accounts require a minimum balance of $1,000 or more. Muriel Siebert and OptionsXpress don't set minimums for basic accounts.
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