But I walked in with the thought that I would pull something useful from this and I was going to drink all of the free coffee they had to offer.Please keep in mind that at that time I had already lost my job and was about the lose everything else.

Although we belong to MLS, pricing has been so high that it doesnt make business sense.

Feel free to move it if it belongs elsewhere.

By then it will be long forgotten.

The event is also far more than an opportunity to listen to some speaker; it is the opportunity to shake hands, share a drink, spend time with, and do business with these speakers and your peers.Certainly some people will have difficulty making it due to scheduling issues.

I don't smoke or drink, so BP is the hardest for me.

If you have a penchant for drinking and driving and intentional torts then you will probably need to explore the entity route but with an increase in coverage and policies you can probably cover the risks wished to avoid in the most cost effective method.

Jon, my plan was to finish drinking my coffee and hit the coin shop on the way to my office this morning.

It pays to belong to some REI clubs and local trade organizations, to do business as locally as possible, and get as many live references as you can.

I did a quick search on a mortgage forum I belong to for HELOCS and both TD and US bank showed up as players.