Rather, most of them lost their homes, because something(s) in their lives changed--some studies show that roughly 70%-80% of the foreclosures were caused by excessive medical costs.

Medical bills?

Professional grad students (medical, law, etc.)

Lender may require immediate payment in full of all sums secured by this Security Instrument, upon approval by an authorized representative of the Secretary, if:(i) The Property ceases to be the principal residence of a Borrower for reasons other than death and the Property is not the principal residence of at least one other Borrower; or(ii) For a period of longer than twelve (12) consecutive months, a Borrower fails to physically occupy the Property because of physical or mental illness and the Property is not the principal residence of at least one other Borrower; or (iii) An obligation of the Borrower under this Security Instrument is not performed.

He got into it yesterday with his economics teacher who was saying that the medical system was an example of an efficient market before Obama care was passed.

These workers then use emergency rooms for medical care, free schools for education, and on and on it goes.

He came into the house to see it and said wow that is really bad, as soon as rains cease I will send my guy over.

Does this couple have a will, living will, power of attorney, trust or other "elder care" documents expressing this couple's medical directives, their wishes if one or both pass on or become "hospice bound"?

World class universities and medical centers, every amusement facility you can imagine, cultural events, sports team, and shopping galore!

Murphey has always lurked me (Murphey's law).ANY/ALL unlicensed workers that I use (if I decide to do this) will have to sign an Injury Liability Waiver form and show proof of personal medical insurance coverage.