I would always recommend a safety course. Most sports and outdoor stores, and some colleges offer hunter safety courses at a small fee. As far as your next door neighbor being safe, it depends. If you hit a solid wall, either a bullet or shotgun pellets will embed itself into the wall. If you catch a window with a shotgun blast you will more than likely still hit your neighbors house. probably not lethal, but it'll still hit in small amounts.
I can at least tell you what I have and use. I have a Ruger 20 ga. over and under. It's lighter than a 12 gauge, easier to load quickly (for me anyways), and more manneuverable. Even though not as powerful, it doesn't matter much if the guy is within 40 feet of you.
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