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Underwater, sinking, drowning. & shoefetti

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   Over the past few years the term underwater has come to mean something brand new to me. Hold your breath for as long as you can and hope you don't drown.    I'm not talking about bikini bottom, or pirates of the Caribbean. I'm talking about my mortgage. Like many new homeowners over the past ten years, I was chasing a dream: start a family, own my own home, cars.. and flourish in my career. I already had three out of the four, so it was time to get out from under the reins of a landlord and into my own  home. My thinking at the time was.. just get a condo, let your investment grow and then get into a house. Now looking back on the situation. Oh, how i was wrong. When you buy a condo, you aren't just purchasing your own little piece of the earth (land, home and all). You are buying into a co-operative community that may not always work the way you want it to, spend the way you want it to or when you want it to. looking back, who knew the condo was 30-40 thous...