With all the whining about people need free services and don't need to work in order to live, we need a nice thread which celebrates Entrepreneurialism and others who work their asses off in order to ensure they are a true value to their company or organization. For those who resisted the temptation of an Interest Only ARM, and for those who bought a House they could afford, even in hard times. I am not poor because the government choose me over someone else. I am not poor because I received some social program welfare that others got. I am not poor because of my race. In fact, I am not poor simply because my parents worked hard to make a better life than their parents, and showed me that through smarts, and hard work, you make your life, no one gives it to you. When I bought my house, I knew what an ARM was, and why that could be the dumbest thing in the world... I went with the fixed when everyone was saying how great ARMS were. We bought a house we can afford on 1 salary, even though we have 2... because I knew the potential risk in over stepping... For others out there who researched things, who looked a little deeper, and don't expect some government agency to ensure your happiness... I salute you.