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Pah! Don't be "too confused." Learn!
By not paying attention and taking the time to learn about basic financing, you are opening the door for exploitation by a financial advisor or someone else (like 'Net friends/strangers). Take it one step at a time, learn for yourself, and take charge of your money. It's really not that complicated, unless you have zillions of dollars.
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"Guard your honor. Let your reputation fall where it will. And outlive the bastards!"
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