http://www.builddirect.com/ especially their marble/granite/slate prices....kitchen cabinets....a friend of mine went to lowes, special ordered the cabinets and then canceled the order and they gave her an extra 25% off because of the slumping sales....for equipment try out the pawn shops or again, networking....hubby gets top name stuff from a certain big box store ...he gets the stuff below cost.

INCREDIBLE two-story great room w/marble fireplace; NEW designer paint in & out; NEW fixtures & ceiling fans; AWESOME master suite w/sitting area, HUGE walk-in closet, jetted tub & double vanities.

And those prime borrows... when you look at their payment patterns they just never walk away from their underwater homes!

James I wasn't born with a silver spoon in my mouth.I had very tough times where things were lean growing up.It builds character and makes you remember where you came from.Having said that you can't let emotions make business decisions for you.This woman has allowed her kids to invade her life and mooch off of her.She has ultimately made that decision.I can see where that high payment without assistance is strapping her.I can't tell you the number of kids who are draining their parents dry and using them.It makes me sick to think of these types taking advantage.I am not talking about a temporary blip where someone is down on there luck but a continous pattern of doing the minimal only and getting the rest from the parents.I have tons of tenants with my apartments and I hear it all.When you have apartments they all talk.If you are soft with one they will take advantage.If you are hard with all they will leave because they can't manipulate and the other ones will pay on time knowing they will be gone if they don't.

I am in a holding pattern now due to the frenzy of cash investor's bidding prices up higher than I will pay.

Also, values in one area of the country or buying patterns, have nothing to do with another.

That does not sound ready to crash to me, based on historical patterns for the yellow metal.

It's Gated, fancy marble flooring, it leaves guests breathless...

You can also look at the history and see that the index consistently follows a pattern based on holidays with Christmas being the low every year.

James Vermillion:The market here followed the same pattern as in the US.