Ventilation is key...not only in naturally cooling you home but, without it, your shingles will age prematurely.  

Premature?

Welcome @JoshuaI suggest you give the local REIA another shot if you just went to one meeting.Your observation that no one is willing to share information unless they get something out of it is a little premature.

Since you're still learning the basics, it's incredibly premature to leave a steady paycheck.REI is a marathon, not a sprint.

I'm afraid to put a pack of gum on my credit card whenever I'm in the process of applying for any kind of loan.

So my numbers may be a bit premature.

Mind you, this is very premature, these are just the first few things that quickly popped into my mind.

We were still in phase 3 at that point, and prices didn't peak until May of 2007, even though volume started falling in November 2005 (which combined with the fact every buyer I sold to was using a pay option arm was enough to spook me).Given that we have not yet seen a similar decline in volume, and  since it took 18 months from volume declining in earnest to the market top, I think there is a good chance to think calling a top now >might< be a little premature.

You can buy a pack of gum every month, and pay it off, and over time your score will increase.

I have heard horror stories that 100+ year old properties are like gum on the bottom of your shoe that never goes away.