[tbsoccer]

Six months ago, I was about 85 percent certain that we'd sell our house next spring, rent for a few months in TV until we decided on which village we wanted to live in an what style of home we wanted to buy and then make the move in the fall. We probably would purchase a previously owned home with more mature landscaping and the upgrades that we wanted. However that changed drastically two months ago when the market started its death spiral. Between the erosion in my 401(k) and the latest PBGC rate of 4.75 percent, my retirement nest egg has dropped an equivalent of 2.5 years of salary. Like I told my boss, the only thing making money in my portfolio is me. Hugh lay-offs are announced daily and the pending demise of the American auto industry could put even more pressure on unemployment through out the country. Although housing costs in Pittsburgh have only dropped a slightly, it still looks like our move is going to be delayed by a year or so.