Heating costs go up in winter, as does electricity due to the reduced natural light and more people indoors.

People, remember, what is equity?

I recommend talking to people and asking around.

Also, it lends itself to unconscious bias because we are more likely to view negatively people who are different than us.

The subgroups are usually smaller and easier to get to know people.

I like his points about building a “team” and not actually asking people to be “on my team”.

On the flip side, if you've got a bunch of Section 8 tenants living in a building that's in a neighborhood where a lot of the tenant base has good jobs, high credit scores, and are generally reliable people, you've got the most risky tenants in that tenant base and that ain't what ya want.

Yes the penalties are high, so if people think they might be selling when they renew their mortgage, they get an open rate mortgage that allows them to sell with less of a penalty than a closed rate mortgage. 

Catch about 1 out of 3 people now.  

Stuart - we do not identity check the people who are signing up to post to the forums.