Basically think of an umbrella as a regular old liability policy, it covers you in the fact of lawsuit, but it's got an awful high deductible, usually about $300k or $500k. 

I haven't been to the happy hour meetups but the regular monthly meetings are good. 

The military tends to leave enlisted in place for 4 years, where officers tend to move more regularly, so again, that helps our tenant-stay period. 

I don't have much investing experience either, but I work with a few of them on a regular basis.

Maybe a banker can chime in, but regular payments on the student loans even if it's like $50 a month based on IBR may look better than deferred.

Now I'm faced with a big decision, at age 50, do I continue to beat my body doing home remodeling with by the way two hernias busting out of my gut till god knows what age?

Not to just save a few dollars because I'm managing them all myself, and now I work twice as much as I did when I had a "regular job"

When you receive GV calls on your cell phone, do you still also get calls from your regular phone number.

If you believe that regular content on your site equals huge rankings then you're going to be disappointed.

Please keep looking and learning, all the while, doing everything you can to get your credit score onto a good footing (including regular SAVING - every pay day), and the do-able deals will come.