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you know real estate people say well im investing in real estate i dont know what kind of real estate you know some people flip houses some people i dont know what they do they fix them up and then they re-rent them whatever theres millions and millions away theres warehousing bidding warehousing theres golf courses theres hotels apartment houses whats the worst investment in real estate and its vacation homes well that makes sense and you know and what most losers do is they buy themselves a big home and then the next thing they buy is a vacation home did we do that [Music] and one we sort of and one we kind of rent out occasionally but its not certainly not an asset it is a liability yeah so thats why you know ladies and gentlemen so we should invest in you i said well how about education the next one are multi-family condos kim and i have had condos theyre almost worse than vacation homes and the one reason is homeowners associations homeowners and you know they often sa