The logic is the following: As commodity prices rise, money earmarked for other items goes towards meeting the higher commodity price and consumers are essentially forced to re-allocate their spending budget.

It's technically earmarked for a future expense, so I would assume it is not included?

I'm already kind of all in and although I could cough up the money for this second list, it would pretty much drain my funds that I've earmarked towards this venture rendering my real estate flipping dreams dead. 

Are there any public funds earmarked for the area. 5.

We are both debt and nearly expense free and have a good chunk of savings between us, some of which my wife has earmarked for her Masters.  

After doing some extra research, I'm probably going add the 5k to an account that has been earmarked for a house down payment.

You close on the investment property, but now you have this $100k HELOC that is either an ARM (which makes you nervous) or at an ugly fixed rate (which you don't like).Now...Primary: owe $300k on 1st, $100k on HELOC, worth $500k.Investment property: owe $281k, worth $400k.Even if you go to 75% LTV on the investment, that isn't enough to nuke that HELOC debt.However you could refinance the primary, rolling 1st and HELOC into a new first lien at $400k and 80% LTV.After you close on the investment property, make sure you don't immediately blow an amount of money left over that your lender will want to earmark (but not touch) as "6 months PITI reserves" on fixing it up. 

Annual rental income of $13,200- $7,560 debt service, tax and insurance, leaves a difference of $5,640.If I follow the 50% rule, I'll earmark half of that to expenses, yielding cash flow of $2,820 annually or $235 monthly.

Second, they have to pay a little more on top of that to make up for tax breaks Emanuel wants to give to homeowners.What's more, the mayor's plan has broad impact on tax bills because doubling the homeowner's exemption would apply to more than just levies earmarked for City Hall.

I am using ynab and earmarking my monies for investment so I will be ready by the first of the year.