I had great work ethic, and im extremely intelligent, but without college, I became a tradesman, had to work my a$$ off to save money, and now I'm 41, still working in that same trade, and I wasnt able to scale nearly as quickly as I would have had I stayed in school, get my accounting degree (my major at the time I left), and got a high paying job.I'm not saying that it cant be done, and I wish you all of the thick in the world, but for every Bill Gates and Mark Zuckerberg, there are a million of me.

There are others on this site who can speak more intelligently on the day to day in Indy as I just don't run numbers on deals there. 

That is the largest monthly jump ever, with the exception of a change in mortgage policy in 2015 that artificially pushed one month's sales into the next month.Haha.

Money Markets are paying less than 2% interest and you need at least 2% to break-even after inflation so refinancing and holding onto cash is not financially intelligent. 

Also, maybe one of your donors would be willing to lend money for the flip if presented in an intelligent manner, and would do it as a donation.

It's really entertaining and intelligent.

I use cozy currently, but the applicant cost per credit report is $25.RyanHi Ryan,Do they disallow other (granular) fees, the way banks charge on loans, such as:Application fee $20Application review fee $20Application storage and filing fee $20Application clerical fee $20------------------------------------          Total                $80I'm just using that as an example, of course it would be intelligent to match what your competition is doing and not charge $80 if everyone else is charging $20.

That is a point of negotiation as the interest to both parties can be different, but a seller who demands that no discount is applied is predatory dealing, no intelligent person lends money without interest or other benefit and asking to do so just isn't accepted practice.

Your time has value, and if you give that value to the IRA, that is like making undocumented contributions and therefore artificially inflating the tax-sheltering of the plan.  

I don't NEED to do anything else but I WANT to intelligently pursue BIG OPPORTUNITY cardsIt seems intelligent to find someone I can pay $$ to help me think correctly about these opportunities.