So, for a 4%, 30 year, $100,000 loan, you would put in:=PMT(4%/12, 30*12, 100,000)Really, I put the inputs in different cells and refer to the in the forumla.

You never want to put all of your eggs in one basket, but if you are investing in real estate as well as tucking money away in a tax-advantaged retirement account, you're simply diversifying, not only in the investments, but with the tax strategy as well.

The attendees are just wanting to get it done, adn are on the cell phones, texting, checking e-mail, doodling, doing nails...and the instructors are just giving the answers that will be on the test.Obviously this is painting it all with a broad stroke, but I think you get my point.

(Yes, you can call me a multi-tasker, been called worse.)I also just realized that a possible record was just set today, my cell phone never rang once!

They want you to text so they have your cell # and can call to give you the hard core pitch.

This could be with real estate but that is for another discussion.We have a decent nest egg to cover the year and retirement, great credit, no debt, but have never owned property.

However, that amount of excess is recent due to my wife becoming full time where she works, so no nest egg built up yet.

Get the deal before it hits MLS or the steps to REO. 2014 will be alot of out bound marketing and taking alot of cell phone calls looking for deals.

Be sure to build up a decent nest egg for emergency repairs like new roof, or furnace failure, six months vacancy, etc.

When he didn't get us on the phone due to the terrible cell reception he didn't come out until I called back.The temperature only dropped to 60 so I did not run and get electric heaters.