A lot of heavy lifting in these areas.

They determine the mold is due to; (1) tenants causing crazy high humidity basement humidity by running the dryer without ever cleaning out the lint trap and (2) not cleaning the bathroom- All mold is abated with bleach, a second dehumidifier is placed in the basement, carpets are lifted, trim is replaced, and we investigated behind walls.

If you've had a good experience with them, I'd also like to hear about it as I am still collecting all the documents they want before proceeding to the underwriters (which has been way more time intensive than my last condo purchase - which that particular mortgage company did most of the heavy lifting for me but man were they expensive!).

I guess it only takes one bad apple to cause a problem, but I have not had an issue yet (knock on wood).I’d leave it alone and reconsider later if it does become a problem.

Also, I recently learned Apple Pay will allow instant transfers of money - free if the sender is using a bank account, and if they use a credit card, THEY pay the transaction fee (brilliant!).  

Apple’ iCloud, Google Calendar, and many others allow you to set the sync frequency.

And when you are ready to outsource your mailings, the only way you'll be able to make an honest apples-to-apples comparison is to know what your actual costs are to fold, stuff, label, stamp and mail each piece.Because I bet you're "paying" way more than you realize to do it yourself.For example, I've used Click2Mail's email-to-mail service to mail 8.5x11 letters in a 6x9 envelope with first-class postage, one at a time, for 84 cents each.

I would increase 15-20% above the apples to apples benchmark.

If you compare the "worst" and "best" neighborhoods apples to apples, in general, the east side neighborhoods have higher median income levels, better performing school districts, and lower crime rates.

I do not care how big small, ugly or cute you are.... being a big shot has nothing to do with anything.Think small little yoda, lifting that X fighter out of that swamp.