As the recession deepens, market values of real estate and rents drop
too.....

At the end of 2000, mortgage payments over 30 days late exceeded 10% for the
first time ever (Associated Press 6/13/01)

Americans now owe $7.3 trillion of consumer debt - personal and business
bankruptcies are skyrocketing (Newsweek 8/27/01)

Home mortgage foreclosures are up 20% year over year (Fox News 11/5/01)

Unemployment rate is 5.7% and growing

Time is kind to the thrifty - people and cities.

Vicky Heller
St. Paul

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