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I agree with you, Greg.

I never get any newsletters. I've been retired for 10 years, and I manage my own IRA. I have NO mutual funds, but have a mix of dividend-paying stocks, plus a few growth stocks (some do both), and an occasional "flyer", but never much money in the flyers.

I tend to do better than the market, and have not gotten rich, but have not gone down a lot, either.

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