Not to be a bummer this time of year but.....
 

2011 Sucked, can I tell ya?? In February we were burglarized. Got all of my guns, wifes jewelery, 4 flat screens, all the computers and all of the kids game systems. Insurance screwed me and got a fraction of what I claimed. Moving on 2 months later, I had a mild heart attack, 3 days in the hospital, stint put in. A few weeks later went partially blind in left eye from blood leaking from vessels behind the eye. Slowly things starting looking up, interviewing with 2 very good firms(much better pay) December first, after I showed up from being with a new customer, I get fired...my numbers aren't where they should be. So 2 days later my replacement, the boss's son. So today, no call from either firm, been 2 weeks and had 3 interviews with each company and we were on the verge of refinancing, going from 7 % TO 3.95%, BUT NO JOB, NO REFINANCE! Christmas this year is really sucking about now. my rant.....

Seriously hope things get better for you.

I hope 2012 kicks ass for you. Big time.

Sorry to hear all that. Hopefully 2012 will be better!

Sorry to hear. Seems like there is no place to go but up. Best of luck in '12.

Man this year has really sucked for you, But you didn't die from the heart attack. So you are still in the game. Try to focus on your positives and roll into the new year looking for things to be better. We are pulling for you.

Cheers Richard

Better time are ahead, hopefully for all of us as well.

You could really use that rate deduction now. Sorry for your bad year. Know that you aren't the only one by a big margin.