Dear Mr. Berko: I'm looking for a discount broker because I get livid paying the huge commissions charged by Merrill Lynch. Which of the dozens of discount brokerages would you recommend? What do you think of Bank of America as a discount broker? And I want to invest $10,000 each in two high-yield bonds. As I have followed your column over the past 30 years, you have picked some excellent high-yield bonds. So how about recommending two of them for me. — B.D., Destin, Fla.

Dear B. ...

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