Good morning Andrea, Pam, LnL,

Happy St Patrick's Day!

I am sorry to say that finances have become a concern. Since the time H started his business in November 2002 we have been living off of our savings plus the proceeds of the sale of some real estate investments.

That $ has run out, it's gone.

I never agreed with H's decision not to take a salary out of his business. To my thinking everyone but him got paid, so why shouldn't he take a check. But he always thought it necc to keep the $ in the business to help with cash flow.

Now we are out of cash, and our monthly bills are pretty big, owing to the fact that H used to make a very good salary back in the days before he started his own business. We have a vacation home (read an extra mortgage) where H is currently living. We have discussed putting it up for sale but H is dragging his feet in actually listing it.

I do not know where this is all headed. It makes my head swim.

Pam