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Willair, I certainly agree that you can minimise the risks with skill, knowledge and timing (the ones who made a lot of $$$ exited the market almost 2 years ago) but you can never totally eliminate all the risk, which is essentially what you are saying. I think your statements just about...

That's a really good article, Punchy. Thanks. I think some people may have missed the point of the whole article. The author wasn't trying to say that "debt is bad", just that HIGH and UNSUSTAINABLE levels of debt is bad. Comparing the level of debt against income is used as an indicator...