Excellent post, admittedly i've been playing around in LPs this last little while to learn more about it. The APYs are hard to resist but, what you have said makes a ton of sense. I will now be pondering my overall strategy a bit more.
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LP's are so complex. When you think you know it all, BOOM!, you learn something else and add another trick to the ammo. Im learning about IL insurance atm :)
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