Commercial world lock in for a minimum of 5 years -some lenders are allowing 7 and I am exploring 1 that is a 10 / 1 arm very appealing to me personally2.)

In the pre-digital age of yesteryear, people organized in their Rolodex the business cards they accumulated from attending meetings and conferences.

What format is the digital version?

I’d tell them your not replacing it if it’s not broke and If they want a new fridge then they can go to home  depot and buy that big fancy digital display stainless steel double door one themselves ! 

Some cities like Seattle, Las Vegas, and San Francisco had double digit gains, but overall all cities had positive gains.

The US  IRS have long arms and even without US assets they still require about 15% of an expats income unless you give up citizenship.

I’m mainly in digital marketing so my answer will be geared towards that.

I found another whose rate is 7% but this is a 5 yr ARM. 

I am quoting this because "you can say that again" is superfluous in the digital age.

I will be doing the following for them: Digital Marketing: setting up and deploying automated email campaigns, helping them with the design and layout of their direct mail pieces, helping to pull lists from a database (Rebo Gateway), marketing strategy to determine who to target, frequency, etc., recommended and maintaining software, systems, and lead databases.