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DISCLAIMER: Nothing on this site constitutes legal or financial advice. The author is not licensed to practice law in any state; he cannot and does not provide legal advice to users of this site. If you need legal advice on any matter, you should contact a licensed attorney in your jurisdiction. The author of this site does not offer financial or business advice. All investments involve risk; you may lose money. Only invest what you can afford to lose, remember that investments have risks and tax consequences, and seek advice from a licensed attorney and a licensed accountant if you have questions.

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Last Updated: November 21, 2008
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