If you were to log in, you'd be able to get more information on your fellow community member.
While I find myself agreeing with almost everything phillip has to say, I do have this slight criticism. Phillip, you have made a lot more money than the average person in your life. So the idea of throwing away "a few $thousand" is less an issue for you than it is for the rest of us unwashed heathens. Why the relentless upper-middle class perspective?