An umbrella means that your various loss exposures are all put under the same umbrella, not that you need a separate umbrella over each exposure.Unless you also have an umbrella over each of your vehicles and boats, I'd say you're UNDERinsured.Look at your net worth, assets minus liabilities, that how much liabilitiy insurance you need.

Got word today that the asset manager had a conference and also a death in the family and has just returned.

But I can tell you one thing, they are coming after any asset you have....They are looking for you to get some "skin in the game".Then again, she could just be saying that to keep the money coming inYou got that right.

The government is in the process of attempting to PROP UP asset values.

A Broker Price Opinion is essentially the same thing as an appraisal or a realtor's CMA (comparative market analysis).It will just give you an opinion of value for a specific property at a specific time.Banks order Broker Price Opinions for several reasons, to include:-pre foreclosure-pre auction-asset protection

With insufficient liquidity to meet its obligations, WaMu was in an unsafe and unsound condition to transact business," the OTS said.Seattle-based Washington Mutual has about $307 billion of assets and $188 billion of deposits, regulators said.

Do they have any assets?

.* Get a sugar daddy that has liquid assets, say $500,000.* Have a C Corp with the Sugar Daddy.* $500,000 is placed in a small commercial bank as collateral (CD).* Business plan states that commercial bank will loan 80% of all purchases LTV (not purchase price).

If you have any other assets they are at risk.

So I'm reading 100 pages of mind numbing dribble creatively known as the "Troubled Asset Recovery Program"; aka, "TARP".