1. i don't have sympathy at all for these knuckleheads, nor should any of you


2. it's 2012. earning 5% safely is damn near impossible. this coming from someone who makes his career helping Advisor's place safe money assets into play for their clients. please check the 10 yr Treasury for a reference.


3. $850k isn't that much money in a big city. It's a house and two cars, but you still need a day job.