I don't think we will experience double digit declines over the next few years, but I think that's MUCH more likely than seeing dramatic appreciation.Its entirely possible the politicians in the US and Europe will continue to dither and the economy will continue to slump.

In fact, I have like 500 books on my book shelf and in storage and probably 250 in digital format.I have been at this REI Game since 1984 and I love it.The only real master of REI I have ever heard was Barney Zick of Houston TX (RIP)@Rick Harmon Im sure you know him.Here is a question...Has there ever been a graduate of an elite training made back  their $29,000 tuition?

Yes, what you want is a fantasy.Hard money rates are double digits.

But I strongly believe that we'll see three digit silver prices before the silver bubble is really over.

Ok you complain to me i dont have 100 dollars I say fine then get your digital camera out spend 5 bucks in gas and take 200 pictures of potential deals and build a list of landlords and investors and buyers and rehabbers and explain to them if they close your deal they owe you 50 bucks for the lead and you will bring them 20 pics a week of possibilities based on there buying criteria.

BiggerPockets just released an e-book on Amazon.com for 0.99 that is a great synopsis of what you need to do to screen a tenant.

Because of the current liquidity cost, I have to reduce my trading considerably.In the old days, a statistical arbitrageur can make three digits annual return with very small drawdown, not anymore.

I read so much and learn so much from BP, plus I read books, ebooks, attend webinars, im going to a reia meeting tomorrow, I just am AFRAID i think to be alone.but if others have done it, so can i!

It sounds like I have 2 options:1- I can put in a new 2 inch digital meter,which can download data on amount of usage, exact time of day, and constant stream of usage to automatically detect leaks (cost of a few hundred dollars)2- I can install individual meters for ever unit.

For Fannie Mae the digital engine is called "DU" (Desktop Underwriter) and for Freddie Mac the engine is called "LP" (Loan Prospector) and they both also use "DO" (Desktop Originator).