
	I don't believe in the "Wave Theory".


	My mother-in-law, who grew up in Germany, doesn't believe in 
money at all. She started out as a real estate developer, and now raises
horses. She keeps telling me that inflation is coming back, and to lock
in my fixed rate mortgage as low as possible.


	Maybe you'd like to invest in some foreign currency.

	Which one would you guess to come out on top ?

	(Sigh - speculators never learn.)



Bill R.

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