If you lose money, are you inclined to brood over your loss? If you looked at an evening paper and saw that a stock you owned had dropped ten points that day, would it depress you? If the answer to these questions is "Yes," then let's face it: you're a conservative investor. Volatile, speculative securities will keep you in a constant state of jitters. Speculation is just not for you and, as you peer over the assortment of marketable securities available, the fixed income or steady dividend-paying stocks are the ones for you. Let's cover the fixed income varieties first.

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