A speculator might buy and sell twenty houses a year. That makes them equivalent to four hundred regular buyers. Even though they may constitute a sma...l percentage of the buyers, they are effectively as much as a quarter of the actual market. That has a big effect when the goal is making money rather than buying a nice home." I didn't think about it that way," Lucy said."They will also account for a major portion of the bad debt because it really isn't backed up by much beyond the properties. I was only 23 myself, and even I was a little nervous, but she was scared to death. She walked into my second period class straight from being stripped in the office. When I offered her relief she started crying and admitted she didn't even know what that meant."Right then I changed the lesson plan for the day. I told her she had to come up and sit on my lap to help me demonstrate female masturbation. I spent the better part of the class calming her down, stroking her hair, and warming her up. More

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