When Jeff Dietzel, 24, took his maiden plunge into stocks last September, he eagerly used some of his school loans and then gave up health insurance to buy shares of Engage Inc. and, later, CMGI Inc. He thought dot-com stocks had dropped so much that he could only make money. Guess again. Since then, Dietzel has lost 60% of his $7,400 investment. In five months in the market, he has had only one up day. "I was trying to be a good adult and invest my money," says Dietzel, a graduate student at the University of Texas at Austin.
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