So basically if I can invest in LA, I would have but at this moment there is just no way I am going to take on such a big gamble on a slowing market.

Assuming a mosdest gain of 5% appreciation a year after 5 years the home is worth $638,000 and you still owe $500,000.Always remeber that with a Intrest Only loan you are gambling on your home appriciating.

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The ARM is going to start adjusting, but if you want to gamble and think rates will go down by when the rate starts to re-adjust, an ARM may be for you.

If it's a land locked lot, meaning there is no access to it except through someone elses land, it could be quite a gamble and may pay off big time.

But anyone who thinks that appreciation is going to bail them out of a low or negative cashflow situation is gambling, pure and simple.

If your end result was too lose 20 pounds, your leverage might be I will die 5 years earlier, I will continue to feel fat, or I wont be able to play sports with my son.5th What has caused me to fail in the past when I have tried to achieve the results that I desire?

I am not willing to gamble that much to be the one that ends up being the case law around it.

Save the family and friend discussions for areas that really do not matter - sports, religion, politics and dinner menus.John Corey

Third would be just about anything else, although you shouldn't pull up in some luxury or sports car.