Interest rates are already ridiculously low and workers come at a bargain-basement price (as they always do when unemployment is high).

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Valuations are so low right now that companies can buy at bargain basement prices--but that doesn't mean they can necessarily buy long-term value.

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But the man in the picture, Shane Keller, tells the Democrat and Chronicle newspaper of Rochester that it was actually taken in his basement in Brighton, a relatively well-to-do suburb with low crime that is nowhere near the poor neighborhoods that were the subject of the photo essay.

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All of the seasoned homebuilders told my partner Don Kaufman and I that we were crazy, that no one would buy a house without a basement, and that we would go out of business because we priced the houses too low.

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