A legacy is something passed on to future generations, it’s also what you will be remembered for and what you have left after are generally dead and buried or cremated.
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The banks were so busy writing new loans that they often did not fully audit the loan documents. Experienced “robo-signers” just sign every loan program. If there were mistakes of the loan documents, the contracts are invalid. A fairly common mistake ended up being mess down the legal description of the home or property. The loan you been recently paying on may not really be to use in your house!
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3rd reason for the eruption of civil wars was unfair taxation. Your north and south had their share of this burdensome give out. Politicians imposed exorbitant taxes, particularly on imported goods. As a result, a perfect very wealthy could afford a proper lifestyle. The rest of the population lived in poverty. Food and other basic commodities were so expensive that plenty of people died from diseases brought about by lack of nutrition. This was also time when people learned the way to steal and rob because of their desperate situations. The era of the civil war may have ended, but it’s good as we never forget what our ancestors undergone.