I found an interesting article about basis risk especially for consumer debt.

This is especially true in states where it takes forever to close on property.

The other issue, one that is arguably able to be fixed, is that I am self-employed (forever) and my income has taken a hit over the last two years.

This was a Canadian bank transfer however US banks should be offering a similar transaction.http://www.interac.ca/consumers/productsandservices_ol_emt.php

It would be interesting to see if there is a report out there on the world wide web that put more clarity to factual data on consumers, speculation investors, builders, hedge funds/wall street and their perspective roles or percentages to the collapse/meltdown/downturn or whatever you wanna call it.

So far I'm happy with the process and it's not that big of a time consumer.

I've learned a lot in short time here--commit to being a forever student and you will do great!

Yes - GENTLY putting cash in the hands of the consumer and its employers would lessen the effect of a fiscal reset which HAD to happen once the Gov't forced Lenders to lend to those who simply could never repay.

Once you accept Christ in your heart you will always be his son or daughter and he will love us forever.

A responsible population of educated and diligent consumers 2.