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But with a rate of return of 1.6 percent or less, or a negative rate of return, our children and our grandchildren, if we do not make changes, will in fact not have a secure retirement. Indeed, they will not have the funds when they go to retire to even minimally get by. ↗
Digital has obviously changed things a lot, but not all for the better as far as I'm concerned. Of course it's much more convenient and you're getting instant results, but to me it just lacks the finesse of a roll of film and it has a slightly superimposed feel. ↗
