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i think whatever works for yourself,each to his or her own live and let live blah blah blah[]

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George, I understand what you are saying, but you are obviously on a very good income in order to validate what you are saying. However some of us who work our asses off are not paid so well which would enable us to purchase such properties in high capital growth areas. That is why Steve obviously came up with alternatives for the average Jo -Blo.