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INTRODUCING ERNA ‘Be Afraid, But Do It Anyway’ By ERNA MORGAN McREYNOLDS  • Special to www.AllOTSEGO.com One day a woman who had sat next to me at a fundraising dinner called me. She wanted me to be the speaker at an event for women alumnae from NYU. How could I resist? She titled it, “An Interview with a Financial Superstar”. She asked about my growing up outside a little village in Upstate New York. How did you go from no…