And it could happen to any one of your children or grandchildren, in your hometown or your neighborhood.

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This owes to more than just income levels and age distributions--it also can be shaped by how many specialists operate in your hometown.

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When I gave it a spin in Manhattan and Brooklyn, service tended to be pretty fast, though speed and reliability could vary in your hometown.

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In pro sports, the model is similar: support your hometown team lest you be labeled a turncoat.

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Your best source of information is the hometown newspaper in which the debt was issued.

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In pro football, a conference championship game is much better from a fan's perspective if your hometown team is hosting (although just below qualifying for our list).

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Although every neighborhood has its own shopping - including hometown newspapers, groceries and delicacies - if you want to buy in bulk, head east (in your car) to Chinatown, located in downtown Los Angeles, which offers the best knickknacks, bags, jewelry and crafts at discount prices.

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