But there's a moral for investors: Buy a fund with a long-term record and plan on staying for a long time.

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Moral of the story: Buy bonds with change of control protection but understand if you paid a premium, the market may take it away.

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Herbalife and other MLMs, such as NuSkin and Usana, however, sell products that people do buy, and while there may be some moral qualms about MLMs and pyramid schemes, US courts have ruled that MLMs are completely legal.

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Moral, ethical and just plain fair-play issues aside, a key issue in buy-sell planning is how the spouse should factor into the agreement.

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At the same time, he expects the subtle moral message will come through clearly enough to change viewers' behavior, persuading them to buy more auto and homeowners policies.

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