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One item to keep in mind is that the inflation rate is a mix of many items, not all of which will pertain to everyone, so the rate should be taken with a "grain of salt".

The rate includes such seldom used items as cost of a new home, cost of a funeral, cost of a new car, health insurance (which has a 10-20 trend rate, but a large number of people dont pay for it directly) and many such items.

Just a thought.

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