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I read somewhere (on here I think) that hyphens in domains are OK so long as not too many.  It appears the hyphenated variants of your first not available domain are taken for the good tdl's but you might have some more scope with hyphens otherwise. Also shouldn't "Personal" have only 1 letter "n"?

I had a competitor that used to make sites like this.  The top navigation would have links to other keyword-rich domains. All of these domains would have identical design so if a  visitor was not paying close attention to the URL he would think that he was still on the same site. This guy had several of these little site clusters. They all disappeared from Google.