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There are a number of methods that these companies use to get this information, but one of the most effective ways is to administer online surveys.
A lot shall depend on your diligence and willingness to work.
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After significant experimentation and some trial and error, I came to a winning solution. Go with INTERMEDIATE-TERM bond funds to lower your interest rate risk (losses due to interest rates going up).
What people have a problem is that they not always get the item they are looking to get.

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