Reading most of your posts, I can tell I'm waaay out of my league. Noone in our family ever really understood (or trusted) investments and that is probably a clear explanation for the state of current affairs. Fact remains that while the situation is not intolerable, it could quickly become so unless we direct our path with some expertise. I'm fine and not complaining, but I am very concerned about my brother and his situation - all the more, because a nice chunk of my inheritance also rides on his coming out of this OK. In short summary: after his divorce, he and Mother purchased a lovely ranch style home in a good neighborhood on the Cape - counting on both or their income to cover mortgage and utilities. Within three years Mother passed away and two years later my brother was laid off. He is one of those people who are mortgaged above the current value of the home - so a sale is not possible. He is not really open to renting out part of the house - despite the fact that it is nicely arranged for two separate living units. My suggestion to him was to find a roommate/tenant. Alternatively, he could lease out the entire house and come to live in Hungary during that time. I've an apartment in the city and the house in the country which belongs to us both. That is the extent of my wisdom. What else is a possibility that I'm not seeing, if any? Ideas, suggestions, insight would be much appreciated.