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Over the years, I have been asked to speak to many groups and individuals about the basics of investing and getting started. Many clients also have asked me to offer their children or grandchildren some insights. 

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One of the reasons I write this column — besides the great wealth and respect it generates for me, not to mention the rambling threats sent in all caps via email from those who don’t agree with my politics — is because it allows me to vent a little bit.