By Mary Rowland
  One of the first questions investors ask is this: Should I invest on my own or get the help of a financial planner?
For  many investors, the answer is an obvious one. If you receive a large  inheritance or divorce or insurance settlement and have no knowledge of  the markets, you need help. But what about the rest of us? We know a  little bit. We're willing to learn more. We're intrigued by the idea of  investing. But will we do a good job?
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