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First of all, having kids in NOT an investment.  If it is then it could be the worse investment for most people, no doubt about it.  To me raising kids is an instinct.  You want to see your next generation grows and suceeds.  There's a big problem with kids in HK and it doesn't mean it's the same everywhere, at least not in here yet.  Kids have better family values here than in HK.  Honestly, I can't stand the new generation in HK, no matter the parents or the kids.  I even think that they deserve to have this kind of kids because it's mostly their fault.

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