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FYI: ETFs are one of the greatest financial product inventions investors have ever seen. They’re low-cost, tax-efficient and transparent. Maybe best of all they’re extremely convenient, offering diversified or niche strategies that would have been nearly impossible for most investors to put together themselves in the past. Regards, Ted http://awealthofcommonsense.com/2016/03/how-to-pick-the-right-etf/