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<p>[QUOTE=&quot;Cloudsweeper99, post: 1362714, member: 3011&quot;]My preference has always been to learn how to value stocks and the right way to think about market fluctuations and do it yourself.&nbsp; It isn&#039;t that difficult and doesn&#039;t require a high degree in finance [sorry] or a high IQ, although it does require a person to be able to read a financial statement.&nbsp; If someone has no interest in this, then the &quot;spread the money around and hope for the best&quot; method is about the only reasonable alternative; but the person using that method must realize that the results might not meet expectations.[/QUOTE]</p><p><br /></p>

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