I put a chip in it and exhaust.

@Chip ChronisterI am not a dry wall expert, what do you mean with "spray over it" ?

Columbus has a huge chip processing plant being built on the east side so that would be a good target area to look at investing if you can. 

I'm considering a goal chart to keep my focus on chipping away at the core goals and a reasonable measure of time. 

@Erika Geoffrey, I am a local agent and investor in Utica new york. we are a small but growing citie of about 80k people with lots of new economice development ($500M Hospital, $500M auto chip manufacturing plant, as well as over 2M sqft of new WH and distribution space.I would love to talk to anyone more and discuss the opportunities here.  

Sure, it would be great if neighbors chipped in, but no law requires it (deed restrictions aside).

I was planning to chip away at the balance/keep making payments for those 10 years but this year (Year 5 of) with the interest rates being so low I just cashout refinanced and paid off all the HELOC's down to zero.

Also, on hot days the cabinets will stick and could possibly chip in the high spots. 

I wouldn't be alive without them, and that is NO exaggeration.Frankly, I don't give a fat rat's thing what happened to John Stroger, but I can tell you I now have coverage through I-CHIP and I would GLADLY return to Stroger Hospital and their staff any day.

We really don't know how the chips will fall, or when if they do at all.