... her teens, herfatherran off, leaving hermother,twin brother,and herindesperate straits.Through hard work, scholarship money, and frugality, she perse-vered and eventually earned her law degree ... general, the markets are up, it may require anoth-er three, six, or nine months to complete the program. If, on the otherhand, there is a bear market, then we will run out of cash reserveslong ... another frequent problem.Some investors are uncomfortable owning stocks in countrieswhere the water is not safe to drink or where shareholder pro-tection is not quite the priority it is in the...