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If you're buying the share around the own first, you'll also need to have insurance "certificated". This really is an extra, one-time cost that possess to suffer the pain of. Some brokers will charge as little as $20.00 to have a certificate - that's why I like ENorthern in Canada. Major banks here will charge as much as $52.00 for that same credentials. So when you're looking into brokers, confident to also check their certificate fee - not merely their regular trading penalty fee. To be truly diversified a retiree needs staying invested in than just paper assets s