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I think YPG is on their way to the first book, either that or complete analysis paralysis and a life on the pension.

do financial planners give stock advice, other than just 'you should get some'? I'm a big fan of using a full service broker for shares. most people scream idiot at me - do you know how much you could be saving in brokerage? yet they consistently make returns a LOT less than i do. maybe I've...