When to use commas

There are four correct ways to use commas:

1. To separate the items in a list

The list comma is well known. You need commas except between the last two items where you use "and" instead, like this:
We run seminars on financial planning, tax management, pensions and inheritance tax.

2. In pairs as mini brackets

If you need a bracketed phrase, such as an explanation, you can use a pair of commas instead of brackets as in this sentence.

3. To indicate the break point between sentences joined by a conjunction
4. To indicate the end of an introductory phrase

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