After the briefest exposure to Pennyland 98% of people can spot the rubbish effortlessly. No, I'm not going to do his most basic research for him but I will suggest he visits a free library and borrow a copy of Ben Graham's The Intelligent Investor. Or any of Buffett's wisdom is good too, and easily found online.
Besides, my considerable expertise is in prudent long-term investing. I don't know much about stupid lotteries that target the unwashed masses.
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