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Three addresses, all read by the same person.

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What I cannot help with

I cannot recommend a specific investment, review your portfolio, prepare your taxes, or advise on your individual circumstances. Those require a licence I do not have.

For free help, two places worth knowing:

Taxes. The IRS VITA program offers free tax preparation for people who qualify.

Debt. Nonprofit credit counselling agencies affiliated with the NFCC offer free or low-cost counselling.

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