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Pastimes : The Naked Truth - Big Kahuna a Myth -- Ignore unavailable to you. Want to Upgrade?

To: Scott Moore who wrote (84209)	2/3/2000 7:27:00 PM
From: Bonnie Bear	Read Replies (1) \| Respond to of 86076

yes I'm retired - my needs are simple and I have no kids- but ready to unretire - the novelty is wearing off. The real secret of retiring early is figuring out the personal exchange rate between time and money, and the real cost of working. real estate: The REITS might be a good leading indicator, they say we peaked in 97. The scam in CA is bankruptcy, people can buy a house for any price, one for every family member, file for bankruptcy and they get to keep the houses. Legislators are trying to change the law to limit protection to houses worth less than $250,000 because the scam is so pervasive. House prices only returned to 1991 prices last year. Adjusted for cost of borrowing, they are still less expensive than they were in 91 when mortgages were 10%.