Roy, without more info its hard to properly analyze this but I will give you my $.02.Quickly get rid of the luxury home even if it takes a short sale to do it,it will be a negative cash flow monster even if you lease it, I would imagine the payments are eating you alive!

Once we pay it off we will both have an asset worth about 62k AND monster cash flow from renters.

However there are certain thing that we can do to overcome the fear monster when it creeps up

The link I found on google for it was http://www.nefuniversity.org/monster and it seems like the course packages are specifically tailored to the stimulus jobs that are going to be available.

It will be hard not to adopt the drawl.Can't wait to visit monster flea market at Canton.

Monster

It has been converted to gas.Although someone bought the house with that monster at some point, I think it will be a potential deterrent for a prospective buyer, and a new heating system is a nice selling point.Has anybody dealt with that situation?

Yea that Hummer is a marketing monster isn't it?

if anyone still has money in BOA let's make a run on them and all pull our money out at the same time...wait, BOA is a huge monster and it may take a few more people to take them down.

I am an insurance professional and besides having universal life for both me and my wife, I am putting a policy in place on my 2 yr old daughter and not because im thinking morbid or questioning her mortality, but becuase the cost of insurance for a yound person is next to nothing and by puting in 50-100 bucks a month into her policy creates a monster cash account when she is 30. it just makes sense because almost everyone will needs life insurance at one time in their life so you may as well put it in place and take advantage of the tax benefits that a life insurance policy as well as its cash value affords you.