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Cheapest way for ME to buy bitcoins?

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I have an associated bank account with $1300 and a Bank of America with $650. I want to time when the price goes down to buy. Just today I deposited fund into my dwolla account (as I understand I have to wait 30 days), but if I wanted to buy within this month what would be the cheapest way for me to do it? The approximately 4% at Mt. Gox or bitinstant? I'm ignorant. Please help.

See the original article here: http://www.reddit.com/r/Bitcoin/comments/xwu0y/cheapest_way_for_me_to_buy_bitcoins/

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