Hello all,
I would really appreciate your insights here.
I live in CA and have a family with 2 kids - we're not moving anywhere. Have about 50k I would invest (access to more), with excellent credit and good income ...

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Unfortunately I've been away for a few months while taking care of some personal matters, so I haven't been able to keep up on discussions. 
However, several months ago there were ample amount of folks here insisting...