Always consider the source. Long ago I had a doctor who was obsessed with the thyroid, and tied every illness and injury to a “thyroid problem.” If you have an issue with an internal problem and consult a surgeon, that doctor will always want to operate. If you ask an insurance person for investment advice, they will suggest insurance (which is horrible as an investment in terms of appreciation).

That’s why you need independent investment advisors who charge you a fee for advice and do not make money on the nature of your investment, why you need a personal physician who can refer you to specialists if needed, and why you don’t overreact to a single customer screaming for a change for their personal benefit that doesn’t make sense (you need to accept returns six months later). Someone “lost” their links to some of my electronic books and wanted them replaced, and I asked if they would make that request of Amazon).

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