a little help needed from someone who does online investing

in General Discussion edited January 2014
I'm going to set up a Roth IRA through Ameritrade (i think), but I am wondering what the "Margin Rate" is...see the table here:

<a href="http://www.ameritrade.com/getting_started/index.html?startpage=html/general_faq.html"; target="_blank">http://www.ameritrade.com/getting_started/index.html?startpage=html/general_faq.html</a>;

Does this mean my account will have a "fee" of margin rate + 1%? I simply don't know! Any help appreciated
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