What Greg calls cash flow is a bit of a variation of cash flow, essentially: GregCF = CF - Opportunity cost of capital/equity.

Most seem to choose some variation of beige or gray walls with white trim.

or you can say variations like...

However, if you send a different variation of the letter in a different color or style envelope, you will stand out and your message is more likely to be read and maybe even acted upon. 

I believe there will be some variation depending on what loan program your using, but I'm fairly certain that the 'Golden Rule'  is that the total amount of credits cannot exceed the total of buyers' closing costs. 

@John Horner I hope to test a number of variations.  

We love Temple, have some good friends there and have watched that place grow in the past several years.My business model is easiest to talk about with a spreadsheet, but usually boils down to the 1% rule and my own variation of the rule of 72 as a buy and hold.

It is very possible this does not hold true in business practices globally and I've yet to encounter it, though in the couple of dozen places where I have done business there have been variations in legal systems, but contracts have always been binding on the parties despite a change in ownership.Item 6: Yes, it is true that a {closed} mortgage note may allow a certain amount of prepayment annually (in Canada it tends to vary between 10 & 20%, but there are outliers).  

Hobbies and volunteer services and some other activities apart from the profession have to be added. 5)A good biography has to be included with photo. 6)Few lines about family and supporting roles. 7)Grammatical rules have to be considered. 8)Bio has to be used with colourful and humorous words to increase the reader’s excitement. 9)Conversational tone can be used to comfort readers 10)Show variation in sentences. 11)Lengthy paragraph has to be avoided.A well written professional biography should grab the attention of the readers.

@Philip Klinck: A well created and structured trust could provide the protection, but all of the nuances have to be covered in the documentation of a trust, and there may be some variations by state.