Thank you, Geetch.

Money and wealth are created and generally not taken from elsewhere. It's not a Robin Hood situation. Money and wealth are not finite. This is the big misconception of most.

The builders and investors in real estate make the supply for you and me to either buy or lease, admittedly for a profit. And adding to the supply of housing brings the price down.

The recent speculation into the housing market would not have made owning or renting higher. But it took advantage of an upward trend. Now, however, the same companies and individuals are suffering losses because demand has waned.

Best to you.