@UpstateNYUPSer - I'm sure you have a great deal of advice to give, but seems nobody here needs or wants your advice. With all due respect, why can't you find a community thread that deals with issues currently going on in YOUR life and leave this thread alone? You are really being very offensive to a lot of folks here and it's NOT cool dude.
You are totally wrong for telling people what they should do with their money. I say, unless you are dishing out checks here - you need to get a life! Find something interesting to do with your time. You seem bored with your life right now.