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the lumps of coal. It doesn't come with the top listing, the lowest or highest cost, or the brightest bling-bling. It comes disguised in every color, and in both genders. It is both wolf and sheep, and you must be wary for a wolf in sheep's clothing.

If you can't find a diamond, the same effort should result in, at least, a decent lump of coal.

Attorneys are 'doctors of law.' That means they went a bit past college, and passed a test. It may be wise to seek another opinion from a second, and even a third, 'doctors of law.'

Bankruptcy has long-term and costly consequences that aren't apparent in the anticipated relief one imagines is truly granted. A bankruptcy will significantly increase the long-term cost for housing, and everything else, too; it should not be taken lightly. A bankruptcy may preserve substantial equity in assets and stop aggressive collection tactics; it should not be considered too gravely.

If one is conflicted with his or her conscience, the exercise has been completed. If it is beyond repair, working is futile.

Bailing isn't a very useful dynamic for saving a sinking ship; that's why they have those big bilge pumps to prevent the need. They listened to Mark Twain, and design ships to stay out to prevent the need to get out.

Bailing works fine for a boat, though, PROVIDED the hole is plugged. You should grieve no longer; if your boat is sinking, bailing is what you need to do. Your primary duty lies with your family's welfare. I'll pray for your success in getting out of your trap.

If it is done unjustly as the easy way out, it reinforces dependency and cycling. Human cycling, just for academic purposes, is exemplified as 'that didn't work; I'll try that again.' If the math is too difficult, a human cycle is broken by 'not trying that again.'

In all of this, of course, you'll have to apply your own principles and variables.

Mark Twain once said, "I never let education get in the way of my learning." Sam was quite a guy.

Learn more about this author, Tom Koecke.
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