No need to bash the author and assume his knowledge of the topic is superficial. This website is a gathering of opinions of diverse individuals interested in $ and all its wonders and their collective sum is zero, though I still enjoy them for their educational value. Browsing over your blog, no doubt you have done a lot of research probably after getting burned with a bad loan, but you are still no market oracle and all your thousand plus hours of research are still just an opinion will have no more effect on people's actions than a contrary one. So take it easy and enjoy all the views presented here...
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