40yrs of interest rate declines
#1
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I, being poor, have only my dreams;
I will do my utmost to keep them alive.
Against tyrants and adversity, I will strive.
Together, a better future, we will realise......
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#2
Well, there are 40years of asset appreciation many times this as well.

So the bad effect sort of contra off for an avid property investor.
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