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The Fact
Genetics make up an estimated 40 to 80% of a person's IQ. Children who were breastfed had higher IQ scores and better overall academic achievement than children who were not breastfed.
You must have clear goals before doing investment. A long shillings couldn't be a goal. You have to determine what's more important for you: cost or investment terms. Such approach helps you to determine investment instruments you need.