Certainly, most people in this country lost a lot during that time, but among the "average Joe," there were fewer capital assets owned and therefore less of a proportionate drop (though if your sole asset was your primary residence, you probably lost a lot as well).Then, during the period from 2009-2012, if you were rich, you likely had some opportunities that were pretty unique in an historical sense -- real estate was as discounted as its ever been, taxes were low, fear was rampant, government policy favored them, etc.

I am working on the same assumption, I am certainly not willing to place my future on the government, I choose to take charge as most of us RE investors are doing.

Prospective home buyers would get a simpler way to understand often-confusing mortgage terms under new rules issued Wednesday by the federal government."

The government will make sure that it is still on the market completely renovated Jan. 1, right?

They're threatening their own credibility more than Dan Rather.

And since neither we nor anyone in the government actually has a grasp on these numbers it is just going to continue.

Renting someone's established list that is all opt in and credible and not just to send properties but to give an offer that someone would opt into. 

To me, it seemed as credible as you can get.

But, government programs are running out of money.  

Rule: Consumer debts are personal debts as opposed to business or government debts.Analysis: Residential mortgages are personal debts.