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Stock market turmoil ushered in the New Year, the latest reminder of an investing peril that can largely be avoided.Today's Stocks & Topics: Negative Interest Rates, IYG - iShares U.S. Financial Services, Return On Assets, Forecast for the S&P 500, REITs, BP - BP PLC ADR, Shorting, GLOP - GasLog Partners LP, P.E. Ratio.