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  Good advice, Barry. I am very much of the saving mentality so perhaps my views are somewhat biased to that way of thinking! Very interesting programme on BBC2 last night about Germany and how they have much lower levels of personal debt than the UK largely due to the British tradition of property ownership. I agree property can be a good investment too, but as you say, it does seem to have become an insatiable appetite for property to mirror image and lifestyle irrespective of whether its affordable or not! That's why I find it quite ironic that the prudent are now being asked to pay the price through lower interest rates.

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