Go down to the "RESPA'S statutes explained: consumer protections and prohibited practices" section.

My first, and only so far, investment looks marginal on paper with 12 to 14 percent consumer financing.

Something to consider is that several states have laws about passing processing fees for credit cards directly to the consumer.

Interest rates have some effect or influence, but there are a number of other factors (unemployment, economic outlook, population growth, household creation/consolidation, consumer confidence, tax codes, etc.) that are more powerful in determining housing prices.

And further, what about a wiki for the consumer to crowd source not just the hiring of but in effect turning the whole WIKI into a population of knowledgeable people working in collaboration with you?

Businesses don't pay taxes J...the consumers of their products or services do.

In a depression the GDP falls, it is the slowing of the consumption function or products and services being consumed less than an economy in balance.

Especially consumer debt.

What we want to do in real estate is not reinvent the wheel .Thats to difficult and time consuming.

Focus on getting your bills paid on time, getting your consumer debts paid down and start thinking about the great payoff you could see just a year or so down the road.