This thread has gotten totally rediculous. I work harder than anyone I know only to have life **** on me over and over again. Is this my fault. I didn't go to school because I had to fend for myself. I started my first company at 19. I lost that company due to the economic scare after 911( I live in Tx why should that of effected me). I went to work for a large engineering firm but being on the bottom of the totum pole was on the first line of cuts when the construction industry halted. I went to work for a trucking co. and climbed my way to being operations manager within 2 1/2 years. I chose to leave that job when my stress levels hit unbelievable highs due to a poor economy and exhuberant gas prices, after watching small owner operators go belly up one after another. I started a small construction company on my own and built it up on my hard work. At my hiatus I was bringing home around 8g a month consitantly. In 08 I was hit by an uninsured drunk driver and ruptured 3 discs and fractured 2 vertebrate, insurance has still not settled and I currently have around $112,000 in past due medical bills. 7 months later we had an electrical fire and my home and almost everything I owned was destroyed. I put everything on hold workwise to keep my family together and to rebuild my home. The insurance company only covered $156,000 of the $220,000 rebuild and also took 7 1/2mo to totally release funds due to the mortgage company. I had to spend nearly $70,000 out of my own pocket to get my family back in our home. Around a year later I received a letter from my mortgage company saying they were recalling my loan due to my credit rating dropping and wanted me to refinance. I was unable to refinance due to the the extreme limitations being set in motion. I had to sell my home for a small amount more than my note left standing $160,000 owed and only could sell for $170,000 (due to the large number of already foreclosed properties on the market after the rebuild it was appraised at $246,000) at the last minute before foreclosure. I am still trying to recover but have exhausted all our saving thru the last few years. You tell me how has this been my fault. Before you sit on your high horse saying that hardwork will make everything alright explain this to my family who hardly sees their father as it is due to hardwork and wait for life to smack you in the face. Eff-off