Readers of this thread may want to check out the link at http://www.hsainsider.com/Individual/Benefits.aspx as they claim to be a leading authority on Health Savings Accounts.In answer to Brian, yes you do have to have a HDHP (high deductible health plan) to setup the HSA.

Seriously, I left the health care field in 2006 (was a critical care nurse for 20 years) and found that male nurses who wanted to climb the ladder into management did so at a greater pace than their female counter parts.

If you tried to do a rezoning to higher density in my neighborhood, some folks would fight you tooth and toenail.

I would have one you typed yourself and just have the seller sign it.Make it generic with the main point being that he or she cannot afford to make payments and is having personal health issues.I find banks are flexible with w2's and pay stubs if the hardship letter is dramatic enough.

I joined this forum about a week ago but I don't think I've introduced myself.I'm "long in tooth" but still have a lot of desire to build a signficant real estate investment portfolio.

It goes from Preconstruction houses at 120 percent of market value, to feeding kids in Africa for 99 a month with the promise of wealth, health and all that stuff, and of course the $7,000 course from guys who do not do real estate, with concepts that do not work in the real world

I'm afraid it may encourage the second group to stop making payments and it may encourage future buyers to put down as little as possible.The plan may reduce the bleeding but won't heal the wound.

Until the health inspector who is also a landlord in the city told me that Home Depot sells ones that have sensors in them and will go off as soon as another one goes off in the house.

The home must be inspected by the Health Dept. before it is rented.

All the points made about insurance esp workers comp and health insurance are very meaningful as well.