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To the editor : I am tired of everyone dumping on homeowners for getting a small consolation for trying to hold on to the American dream in California, with a few tax breaks. Everything is against you owning a home here: the environment (fires), mortgage rates, insurance rates (frequent cancellations), utilities, maintenance costs. Not to mention rules and restrictions imposed by the government and, in some cases, homeowners’ associations. I could go on and on. But I love L.A. I love my home.

The point is contributing writer Veronique de Rugy has it all wrong with her critique of tax credits for homeowners ( “Which tax breaks work, which don’t, and what that tells us,” Sept. 11

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