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Thanks for the compliment. I am generally not online as long as it takes to compose an extended reply, but today the timing has been right.

I see you and the more regular posters helping many folks here, and for the most part doing a great job. I just want to try and share the knowledge when I feel I have something "meaningful?" to help others coming down the same road I have traveled.

I got started investing in high school when I signed up for the stock purchase plan at my employer. Thankfully, my employer was Wal-Mart. I wouldn't necessarily want to still be employed there, but the stock has been quite good for us.

My investment thoughts came into extreme focus when I got married as it occurred to me that I had better do more than I had done in the way of being a financially responsible spouse. That was the trigger that has made all difference.

I don't know how to compel everyone to do the financially responsible right thing, because everyone is different, has different issues and differing perspectives. However, once they become enlightened, I like to help those that I can.

There is a country song by David Lee Murphy called "The Road You Leave Behind" that kind of illustrates my attitude here on these boards.
Even if country music makes your ears bleed, it is better to hear it than read it. (The lyrics are here)
"I said, "What do I owe you friend? You could easily passed me by."
He said, "Next time it might be me son. You don't me a dime."

I see that this has been more of a ramble (and somewhat OFF-Topic) than any help, but I want you kind folks out there to know that what you do in helping and perpetuating the ongoing discussions and informed opinions regarding any topic of the moment is greatly appreciated.

I always look forward to logging back on and seeing what has happened since I was here last and catching up on what is happening now.

Good evening!
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