I'm 60 and on the end of the Baby boomer generation, and even I am making plans. 

I have excellent credit too!The

On recent inspection I saw lots of "Baby roaches"... 

Neutral is in the upper left hand corner but hard to see what it is tied too. The

Also, I look at my Lock Screen and see a picture of my baby girl looking at me.

@Beck Joyner i think my bill is very high too. The

Soon after, we had our first baby.

This could be due to the cable guy mishap but they spun another story as they don't want to be responsible for it saying in the 5 weeks they had the property they never used the machine which is a tall tale as they are family of 5 with 3 kids under 6, one being a baby.

It doesn't hurt that interest rates have continued dropping too :)The appraisal for my refinance came back at 520K!

And like my dating analogy they play hard to get at first but the good ones learn how to communicate when you ask enough of the right questions (like some of what I suggested ^ about EIN etc) Also sometimes if you aren’t speaking to the sales person at a bank or lending institution you aren’t getting the full pitch... the salesman is always hungry for the sale.... there’s a $hit load of private and hard money out there, too.... the trick is, having the right conversation with as many as possible, and becoming loyal to those loyal to you - but make them earn that crap.