If it is from the outside and there is no current evidence of a leak, then it is because mold has roots that are multiple times greater than what the naked eye can see and it was just painted over in the past and has come back.

I would suspect that is the root of some folks "thinking" the mortgage insurance is new, when in fact is has been there the whole time.

Went to school with the guy throwing discus, so will be rooting him on.

It would be nice if these Guru's would just come out with it already its 20 to 40k and we are going to teach you the business.But remember this whole Guru pitch got its roots in MLM the presentations the pulling at your heartstrings.. the showing your wife and kids on a power point and stating this is why your doing this. so you can spend more time with family and make the money you deserve.

Then I would take a step back and reassess where things went wrong ... being broke is a symptom, not the disease IMO ... figure out what the root cause of this bad situation was/is and attack the problem at its root.

Once you fix the root cause things should swing upward.  

The Latin root is res, which is generally translated as things.”

You want the water to get down and soak the soil under the roots....that how it gets it water.

If we do not treat the root cause of this disaster, ill-advised financial exposure, the cycle is sure to repeat in like fashion.

If you are a hard working entrepreneurial thinker and have a "deep rooted" passion for what you want to do, your route may be different and college may not be as necessary.