I'm going to paraphrase Bob Brinker on this one, but to me financial independence means the toughest decision I HAVE TO make today is (depending on the time of year and where I am):Should I sail north or south, orDriver or 3 wood off the first tee, orPowder skis or not.For me it really boils down to;Which number sunscreen do I need today?

Living on Long Island, the winds were taken out of my sails after realizing I could not find anything close to positive cash flow.

March 2008 sailed in with a evidence of 900,000 houses going through foreclosure.

My husband is turning 40 this march and I wanted to surprise him by buying a villa on the beach since he is very much into sailing.

From then on it's smooth sailing.

They say "the only ship that won't sail is a partnership."

If you haven't heard postage is going up this month. 1st class is going up 3 cents and postcards are going up 1 cent.http://about.usps.com/news/national-releases/2013/pr13_077.htmIf you plan on doing a lot of in house direct mail it is probably worth stocking up on forever stamps.Really we all should have done this last week to write it off as a 2013 expense but since that ship has sailed don't get screwed twice!

Time periods vary, LTV can vary, it depends too if the lender is funding or if they sell, retain servicing or release servicing.Contracts do not sail through because of a HML is being used, ask Realtors about experience with them, some Rs will try to avoid deals with unknown lenders, it can be faster if they do what they say and not back out at the last minute as some do.

Fresh wind in BP's sails.

That shipped is pretty much sailed.