We see it time and time again. Noobs buying homes that they can't afford, investors ripping off noobs, and everyone else telling us how everything is just fine and dandy. Now i'm not you, thank God - but if I were, I would not be listening to all the hype about how the market is primed for change and everyone should start buying or refinancing.

When your in financial troubles, it can be easy to just quit. I see it all the time while pwning noobs in COD4 or any other game YOU play. I'll come up with some crazy new strat that noone can figure out how to combat and WHAM, I lay on the pain. The noobs just give up, they literally quit the game or just cry about how I am pwning them too much. Its really pathetic. I'm sure you can relate, right?

Whether your behind on payments, have an overload of personal probs, or just can't seem to get out of the err... "rat race". Most of you may at some time be in a situation that just seems to overwhelm you. Don't let it. Start with the streams and work your way up the river. What this means is, work on fixing the smaller, manageable problems and you will eventually be able to tackle the biggest ones easier.

If anything, you are not being as lame and can now save some cash to buy a new rig or invest in some houses. Most noobs think that if they just don't address the problem, it will go away. This is the exact opposite of what you need to be doing. Address the problem! If your behind on mortgage payments, the worse thing you can do is just ignore it. You take the risk of losing your home, ruining your credit, and damaging your ability to be able to purchase another house for 3-7 years - at least at a competitive interest rate!

Today - visit that lame site www.annualcreditreport.com and start monitoring your credit report. Most of the other lame free credit report sites force you to sign up for some credot monitoring and ask for credit card info. You can get a free, no strings attached report from each of the three major bureaus once a year for free and I am sure almost all of you losers out there need this. Once you have done the initial reports from each bureau, start getting 1 report every 4 months from each bureau the next year so you can constantly be aware of how bad you are with credit cards and blowing money. No matter what the problem is, someone is willing to listen.

If you still think your up a creek, try talking with the mortgage company that PWN's you. Ya, call them - they want your money, so make sure you give them your sob story while your at it. Even Dave Ramsey, teh god of Finance says they listen! I'll not go deep into groveling cause I have no practice, but you get the point.

If all else fails, rent that piece out and take the loss. it kills me how so many noobs freak out, stop paying mortgages, and let some bigger noob take their house right from out under them! Like I would let that happen. Ha. Suck up the 100-300.00 loss and let some other idiot pay your mortgage for you if you have to get out. Its better to do that than to get foreclosed on, right? The depreciation alone could offset your loss anyways. Move back in with mom and learn to manage your sorry credit for a while.

Gotta go - I have homes to Pwn.

- teh homepwnerer