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The level of complexity is more than most investors have the time, desire or technology to dig into. Today's Stocks & Topics: Core Holdings, Stock & Tax Time, Worst Commute in the Country, Retirement, ENB - Enbridge Inc., New ETFs, Short Term Capital Gains & New Investors, WPZ - Williams Partners L.P., Individual Stocks, What Exactly is a Mutual Fund, MO - Altria Group Inc., PAYX - Paychex Inc.