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same here. of the tens of folk i help out each year with individual and personalised advice, maybe 5 MAX go on to better things or actually make something of it. think of all the rellies and friends that have asked for advice, and it's given freely and openly, and they still haven't done...

if you can't afford it. don't whinge about those that can. the people that can afford it now, put the effort in regardless of market conditions to get ahead. now they can buy what they want. there's always a reason NOT to invest.

i want that as my sig.