One of the nice things about living near Edinburgh is that it doesn’t take us very long to get out into the countryside. There are all kinds of river walks and disused railway lines that have been turned into bicycle and walking trails.Today B.A. and I went for a long country walk, ending up in the town of Dalkeith. Unfortunately, I spent the first two miles or so having a meltdown about double-taxation. We are hoping to pay off the mortgage early and invest for retirement with my salary, but so far my salary seems to be subject to the

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