Ok, except for MT's advice. In fact, everything MT says should probably be heeded as 'life gospel'. In MT we trust. I'm not knocking your approach -- "ask others' with experience" is a great tactic and will get you far, so you're mature enough to realize what you don't know and humble enough to ask for advice. Good. The point is, and I know I'm being presumptuous here, how many people on an Ohio Motorcycle site do you think you'll get good advice from? You'll get advice... but the caliber and quality is all over the board, just realize that if you take others' advice from here (that aren't MT) and you crash and burn. It's really about how well you vet the advice right? And if you're vetting peoples' advice anyway, you'll already be doing research on other sites way more applicable to your financial conundrum than here. The best you'll be able to get here is someone elses' experiences that may or may not apply to you. If your excuse for why something ever failed is "Well, these guys on the internet motorcycle site I frequent said it was a good idea" -- then you have some introspection to be doing...preferably while nose deep in blow off a hookers' ass.