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When your son or daughter enters high school, or even before, start shifting some of the money from aggressive funds into more-conservative ones.
You might think there's no escaping the high—and still rising—cost of college. But at some schools, the cost of tuition rings up as zilch, zero, nada.
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Things may get worse for WFC stock holders before they get better.
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5 Years From Now, You'll Probably Wish You Grabbed These Stocks