Just to add a note for anyone else reading along, you can massage your Fico scores higher by reporting 1% utilization on one credit card rather than having them all at 0.

It just requires some massaging to get the columns needed for Quickbooks.

hand just massage me like I said I LOVE TO LEARN.

If I'm not mistaken, all the .gov resources, while comprehensive, are not exactly succinct and a lot of massaging of data needs to be done in order to get any meaningful information out of it. 

My wife took 500 hours of education to be a massage therapist in Colorado but it only took 50 hours to become a REALTOR.

Just be careful that you don't massage the numbers to make them look like they work. 

I'm susceptible to wanting to massage the numbers since it's local, so it's great to hear a dispassionate viewpoint.  

I have some data massaging skills and programming skills so I am thinking to utilize that into our REI biz and make it more scalable..I have not started anything yet but if I found anything, I will post here and share to the group.

Massage your balance.

IRR can be massaged to confuse the many sophisticated investors. 2 deals with the same IRR and term can yield a quite different multiple.