Thank you for the valuable insights and encouragement.

That money surely would have made it into the economy quickly and encouraged spending.

I do not encourage nor do I practice giving monies to any property who is underwater on a principal basis alone.

Any system set up to encourage a meritocracy, even if it is at the expense of discouraging wealth accumulation in the waning part of one's lifetime is a good thing in my opinion.

//End QuoteA short sale is the result of POOR LENDING PRACTICES that are encouraged by the government guaranteeing part of the loss.

thank you all so much for taking the time to read and then reply with some encouraging advice.P NW : yeah I did get a notice (email) and wasn't happy see "owe us money call me to discuss it."

I know there are plenty of parents who totally ignore their kids, or even encourage bad behavior.

Whether or not it's your property you are absolutely encouraged to report illegal activity.

With all the back-lash against higher education and "elitism" (I've even seen it here on this forum), those that have the opportunity to get the type of education that is required to develop the technology to win this "war" are being discouraged from doing so.Improve our educational system, once again encourage our citizens to become the most technically advanced in the world (instead of discouraging it), and then we'll be able to fight this "war" in more effective ways than putting ten thousand troops into a random village.In addition, take the $100B this country is going to spend in the next 5 years on advanced aircraft that won't do us any good in this particular war, and use that money to build communications technology that WILL allow us to disrupt our enemies, as well as build technology like that which Bryan is working on, which can accomplish much more for much less cost, risk, and collateral damage.Ask any military historian what the most instrumental part of winning WWII was, and he won't say the atom bomb or our superior aircraft -- he'll say it was our ability to break into our enemy's communications channels and then ultimately break their codes -- allowing us access to their strategies and locations.

It tracks your opens and click throughs.For the people that you don't have phone numbers for, I would encourage them to call you to talk one on one just to chat about what you have to offer, keep them at ease that your not gonna be a hard sell over the phone.