I just got back to America from an educational/ministry consulting trip to Paraguay (you can Google "Zap Martin Paraguay" for details) with a couple professors from PLNU (Denise Necoechea, PhD and Kristie Szentesi, MA).

More income than expenses is the DEFINITION of surplus (at least according to my MBA professors).

I've taken two courses with Professor Watkins.I'm quite certain that he'd laugh at your last post about "exponential" debt increase (see Bryan's links to understand why).

Jeffrey Hummel, a well renowned university professor in history, macroeconomics etc. etc. etc. has put forth the new thought process of the best thing that can happen to the United States is treasury defaults.

Private Placement Offering-- two years ago I was working on a Busienss Loan - there are attorneys - who charge $10K to $15K and Prepare a Private Palcement Letter Even one attorney from California --suggetsed he can raise $1.5 million from his clients --You can buy list from List Broekrs --of people with $250,000 liquid casha nd $1.0 million net worth --and send them letter --2 Much simpler and easy --in 70's and 80's I used to attend seminars and bought few courses --call Equity Sharing -- You haev 12 houes with 50% equity -- over $300,000 in equity -- Approx Guess- you can sell future equity -on Individual homes to local doctors, professors etc OR have these same people give you mortgage on individual homes --give them 8% or 10% interest -- and many will be ready Also use- equity in existing home to use as down payment to buy other house --unless you are buying REOs and need all cash There are hard money lenders --also

My reply is vary simple because I know that what I teach is sound and if I reach a student and they apply their newfound knowledge they will be a success.I am not trying to plug me at all so please do not mis-read this.Education works like this:The university that I went to had some of the best professors around so I chose the best professor for a subject from his credentials, facility, staff and student recommendations and I failed - he did not reach me so I had to repeat the same class but with another professor with less credentials, not liked well from facility, staff and students but you know what, this guy brought it home for me - his teachings clicked with me and I learned more from this one man than I ever did with most of my professors.So, let me boil this down!

In my hometown area there is a longtime lack of rentals, soon to be even worse as the university kicks professors out of faculty housing after 2 or 3 years. 

As a college professor, I have many friends who teach there, and the story is all the same.

You don't have to be a college professor to teach 4th grade addition.  

I always remember what my engineering professor said about estimating, there is no wrong estimate, there is only degree of accuracy.