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The increase was purely market driven. It would have increased by approximately the same if they had done nothing. There were some bargains to be had at least in Sydney around the end of 2008 due to the GFC and high interest rates.

These are good points, and to tie them together: don't listen to newbies that have overextended themselves and done if many times in the space of a few years, because it's a very risky approach. For example, if I roll two dice, I might get two 6's this time, but when you do it, you're much more...