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" ... Few of us are like Warren Buffett, either in terms of brilliance and market insight, or in terms of contrarian courage. Generally, if the real estate market has plunged, so have our stock portfolios and other assets. It’s a rare bird who has the discipline and bravery to act decisively and invest under those circumstances. Even though buyers mean it when they say they want to purchase when the market hits bottom, it tends to happen at times in which only the stoutest of heart find themselves able to act. ... "