passive investing 2025-11-13T09:47:29Z

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Rain lashed against my windshield as I navigated the pothole-riddled street near Elmwood Park, coffee sloshing dangerously close to the cup holder's edge. Another morning, another battle with infrastructure that felt like urban warfare. For months, I'd been swallowing that familiar bile of civic helplessness - the cracked sidewalk outside Mrs. Henderson's bakery where she nearly tripped last Tuesday, the overflowing trash cans at the playground that attracted raccoons after dusk, the mysterious

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