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Banks earn billions on excess reserves (access required)

        DEAR MR. BERKO: I'm 71 and retired. I own a duplex with no mortgage, and I live in one side and rent the other. I have $186,000 in my individual retirement account ($88,000 of which is in an IRA money market account) plus $71,000 in savings. My duplex income, my IRA and Social Security ...

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