I wrote a 6-part series here on BP called "The Science of Finding Deals".

As a vague, broad and more of a science fiction reference we have the sun that is continually putting inputs into our system and entire planets that are within reach that dwarf the resources that we have.

I'm a real estate agent in Irmo/Chapin/Ballentine and the owner of Modern Dwellings Property Group.

I highly recommend reading All Joy and No Fun: The Paradox of Modern Parenthood.

This is more of an art than a science, unfortunately.

The price is equivalent to $171,000 for a minimal modern home.  

That would open the wall in the kitchen to enable another cabinet but it would at least make the living area seem less consumed by the fireplace and would make it more modern looking which would make your appraisal come out a little better when you refi and would help you get better tenants because it would look more attractive.

This article was on the front page on finance.yahoo.com couple days ago.I don't think he holds any security licenses or financial advisory certification like the series 65, 6, 63 or CFP, but he is a computer science major who started a personal finance blog 10 years ago because he was bored.

My academic background is in Computer Science and Economics, and my professional background includes having worked in finance, and on multiple software companies from fortune 500s to startups. 

Is this something modern banks have forgot about?