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As you might suspect, coming up with material for these columns every week can be challenging. This week, as I reviewed industry newsletters, emails from readers, and conversations with my Realtors, it got me thinking about how much has changed since I started in this business and that if I had to do it all over again, I’d choose exactly the same business.

As a 19-year-old college student almost 50 years ago, when I was living on Social Security payments after my father died, I decided to buy a house as an investment. The purchase price was $18,000 and I was a little short on cash, so I offered $1,800 as a down payment and the seller agreed to carry back an $1,800 second. My monthly mortgage payment would be $108 if the bank would loan me the money to buy the property.

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