In this letter, I have produced my top 10 list of risks I see in the immediate future. Several months ago, Greece would have been lower on my list. However, economic conditions are very fluid and seem to be changing at increasing speeds. I will also discuss my decision on when I plan to buy my next house. For those not familiar with my housing saga, I sold my house in May, 2006 because I fortunately saw this housing crisis approaching. I have been renting a home since then, and now my rental contract is due for renewal in March, so I need to decide whether to buy a house or continue to rent. I’ll outline my research on this decision.