All of that became mute last January with the changes in regulations.Great observations!

Fair observations, I find a lot of people don't know the right partners as well.

Lessons are SO expensive.Things that Matter by Charles Krauthammer : His observations are very pleasant and amusing to read.

Contributing to an LLC is not comingling, comingling is mixing assets without observing any rules and formalities.An important clarification here is who would want to pierce the corporate veil and why?

I’ve noted in other posts that, in spite of what many think, our observation is that the amount loaned is the single most important criteria active borrowers look for -- even though the first question every always ask is, “What are your rates?”

Couple those goals with the inappropriate structure of insuring deposits (mispriced). the opaque accounting used for financial institutions, the ability of financial institutions to "innovate", or as one of my college professors puts it "loophole mine" the regulatory structure and regulations themselves and the FDIC's role becomes a Hurculean task.Pulling back to 30,000 feet and most observers would realize that there are a lot of players and a lot of poor incentives and other factors that share the blame for this recent crisis.

Your wife makes a great observation and, in fact, there are windows immediately in front of the sink that look into the backyard.Yes, getting rid of all the wood paneling and doing granite back splash.

Hey Sean, let me try to help...1) we have our own software, so I can't help with this one;2) Your observations are correct.

For other newbie "lurkers," feeling out the site, in my observations BP is a great community.  

@Joe SchaakThe guys have made great observations/recommendations.