What do you own that has the most material value? You might say your house, property you own, or your vehicle. Isn’t it interesting that material possessions with the highest monetary value often fluctuate and depreciate over time? The moment we drive a new car off the lot, it’s value is diminished. A house may increase in value, but in a constantly shifting economic market, the value of our homes is about as stable as a bird’s nest in a wind storm.