i wish i had time to read this post because i have to get back to work...but i did catch a little something. anfone...don't loan people money. yeah, it's great when they pay you back...if they actually pay you back in a timley fashion you've been lucky. one day you're going to find that when you need that help no one will step up to the plate for you. either that or you'll loan a lot of money to someone, end up desperately needing it and they won't pay you for years if at all. honestly, i know that's not enough of a reason to never loan anyone any money, but it can make you bitter. at least give yourself a limit. you know, i have a friend that loans quite a bit of money to friends all the time, but she charges them interest! recently she finally was paid on a 40,000 loan she gave 5 yrs ago. can you believe that? plus 10% interest. now those kinds of loans are nuts. :P if i had that kind of money i'd loan it no problem....with interest of course. lol