More often then not, people make uneducated or (better described) misguided decisions. When was the last time you heard a friend, coworker, or ramdom person who has no formal education or training in a specific field tell you (or someone you know) how to do something? When I hear someone trying to give real estate advice because they have bought or sold a few homes makes me physcally ill.

This all stems from a recent encounter I had with an individual in Virginia Beach, VA (let's call him Indy) who lost their home through foreclosure. It saddens me to hear when someone loses their home, because often times it is brought on by a "hardship". This individual was told by his "buddy" (let's call him Bud for short) that if he were to stop paying his mortgage;