Now, down at those temperatures, your COP will be approaching 1.Here where we have cold winters, code requires an ancillary heat source - electric baseboard heaters are most commonly used - to supplement the heat pump in the dead of winter (we frequently get 2-3 weeks where temperatures are below -20C).In a warmer climates, even if code requires you to put in ancillary heat, you should never have to use it.

If you are going to gamble, I recommend Baccarat as at least the odds are the best in the casino....good luck 

If I want to speculate it might as well be at the casino-the entry price is way lower and I can walk away any time I want.

Frequently the REI/consumer applies to 3 or 5 different HELOC lenders before a credit line is actually opened -- the better rate HELOC has higher standards, so REI/consumers go through this time-exhaustive exercise of getting denied a bunch because the 4 best rate HELOC lenders denied them, it's not until the 5th that it's approved and open.

I can also warn you that at this price point, you will be addressing wear and tear issues more frequently and most likely addressing capex more frequently as well. 

I infuriated my mother on a cruise ship once because she gave me a few hundred bucks to spend at the casino...I played two rounds of three-card, won, and walked away!

Which meet ups do you frequent? 

**Courtesy of inman.com**Knowing real estate agents will pay good money for new customers, fraudsters frequently send out fake leads to make a quick buck.The latest scam, which Keller Williams Realtor Scott McAllister discovered circulating in his professional circles, places the Zillow Group logo atop a lead with info about a buyer’s location, employment and the type of home they want.

His complaint is his landlord who lives upstairs has frequent dinner parties at his place, has plenty of guests, and why should he subsidize his landlords cooking particularly when he and his wife eats takeout food as they have no time to cook.

Afternoon, I work for a Commercial/Residential brokerage firm in Phoenix, specializing in court ordered sales and judicial appointments; we frequently find ourselves with investor worthy product.