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I consider myself lucky. I own everything outright (of course I'm still driving my '89 Ford Club Wagon - great shape w/about 220K miles, so I'm looking at getting a new one this coming year). I don't have any obligations other than monthly bills & credit cards, which I pay off each month. If there is a So Cal housing bubble burst, I might consider taking some advantage of it on a cash basis.
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Marv Evans
'69 911E
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