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And that is exactly the point. We have so much focus on the things that are more expensive than they used to be, that people are ignoring the things that now cost a lot less. I must admit that it took until my thirties before I really got some perspective on this.

Gen Y are an interesting bunch, and are certainly different from me (I'm a classic Gen Xer). Although Gen Y has some things harder (like property prices) they have some things much easier (like the cost of consumables and travel, and ease of getting a good job). It's easy to overlook the...

NEWSFLASH*** Young person thinks they are the first person to ever have to work hard for years to get what they (think they) want.

The amount of leverage you apply does not change the risk profile of the investment, it simply magnifies the outcome. What experienced investors consider is not so much the risk of the investment itself, but rather the risk TO THEM of making the investment. What this means is that the...