Talk is cheap.

@Tommy Spijkers, Thank you so much for your advice, I sent the realtor a message yesterday that I will call him today to talk. I

Also given the fed talk I would expect even as high 7.7% soon which would be a flat payment on 15% drop - and we all know 15% is significant.I just bring it up as a reminder that the relative month to month payment for the average buyer isn't changing much either way even at fairly significant adjustments.

Do we hire a dog walker and skip our daily walks with Fido because that walk is costing us jointly over a thousand dollars for that hour?

Do you want to provide a facility for higher functioning seniors ("walkie-talkies"as they are still able to walk & talk, with or without mild dementia, level 1) or those requiring higher level care (assistance with feeding, dressing, bathing, getting in and out of bed - those with advanced dementia and multiple medical issues, level 2-3 thus requires higher rent)?

We started reaching out to various contractors prior to having a project, and if they responded at all, it was generally a “call me when you have a project and then we’ll talk.” I

If they walk, I keep their binder.

But to be honest, i truly did make him my absolute highest and best offer. anything higher and no question I would walk.  I

However, since I talked the talk, I will walk the walk.

One last thing that helped me, incredibly, was getting a job at Starbucks (though any coffee shop would do ;) I was in the position where people wanted to make small talk. I