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Instead of fading into the woodwork, in 6 months let us know what your experience has been.

Yes, I have used margin in the past. No, I don't use it now, other than maybe for a couple of days while moving some money around to cover. Why did I stop? Didn't need it. As my accounts have grown, I have positions with dividends and interest that pay my living expenses without risking my retirement accounts.

Do let us kknow of your experience after you have some.

Best wishes, Chris
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