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Dittoes on the welcome rewturn, Ich. And bigger dittoes on Billy's words.
If you'll allow one more "preach" please listen to this one: buy fewer toys. Their value only shrinks. Invest at least 10% of what you earn in something that grows. You'll be staring at middle age and retirement sooner than you think possible. Along the way, life may well throw you a big curve - and you'll need the investments much more than toys.
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