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There will be those who say they wouldn't won't live without an ESP and those who say they are a waste of money. It's really up to you. Are you the kind of person who can take a little risk to save some money. If something breaks can you fix it. Do you put your money in the bank knowing very well you are going to lose value or do you put your money in the stock market. I put my money in the market and I'm ahead enough I could retire. I don't buy ESPs. I love risk.
Lynwood
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