I encourage criticism to my post and the metrics within - so feel free to chime in.

I took pic, emailed to her and she critics it.

Angela, Joshua makes a critical point.

But in this case, I feel obliged to do so in order to warn others before they put down $10,000 of their hard-earned money.I have been a "Preferred Investor Group"(PIG) member in San Antonio for a little bit over a year or so and have purchased 2 houses thru Lifestyles.I choose to post with a psedo identity as it is not pragmatic to criticize a organization after paying a hefty sum in advance (which effectively precludes you from using services from other organizations).I disagree with some of you who may claim that some of the below points are trivial.

@Brittney Taylor Forgive me for piling on, but @Kyle J. and @Joshua Dorkin have given you excellent -- and critically important -- advice.

Understanding the numbers is absolutely critical, so go ahead and take Josh's advice and check out those links and others on BP.

The time value of money is critical in our business...as it is in the real estate business.

Both mention that you should work hard to keep you debt as low as possible...IMO this is critical and something you should really focus on.

In that even it is critical that the air/gas ratio be maintained for clean, efficient combustion.

They are ballpark figures but I feel they are critical in this discussion.