At one point I was able to quite the j.o.b. and go full-time, but that ended when the market crashed.

I knew it was coming and I'm prepared for it, but its still unpleasant to pay out that money.

She successfully predicted the crash and she was saying 6 months ago that municipalities are in deep trouble - hello Detroit.Now she is predicting that it's going to be "neighbor vs. neighbor.

I actually sold a business I had, 40,000 a year coming in for four years, so I had time to learn without worrying too much about survival.Or so I thought, four years later I crashed and lost everything.

However, since the crash, that landscape has changed.

My FICO crashed from 800 when we hit a rough patch a couple years back.

We relocated to a new area, having come from a smaller city where we were very well established, but was hit extremely hard by the crash.

@JonK We relocated to Orange County CA from an area that was highly dependent on the construction industry, and when the market crashed unemployment etc. skyrocketed to around 18%.

Many of the biggest hard money lenders who lent heavily before the crash, are now out of business.

Due to work, life, etc. he ended up renting it out in 2005, 06...when the markets crashed he saw a bunch of people essentially giving away their timeshares at the same location, so he bought them at rock bottom prices.He can sell his "premium" weeks for $4000-5000 each, with annual fees and taxes ranging in the $900-1200 range.