So many people are searching for the magic formula, and it seems that what many of these seminars are selling is the hope that it's all real, rather than having to roll your sleeves up and build it one little bit at a time through hard work, discipline, patience, and careful choices.I'd say that a person who purchases homes with cash, or through sensible use of leverage with enough equity to balance risk/higher returns, is displaying those qualities and is far from "stupid and lazy"!!

If you want to get started, find a deal the old school way and that means it's time to roll up your sleeves, but you already know about that part!

Might still have to roll up my sleeves, but we'll do what we have to right?! 

You just have to know when to say something like that so you would not ruin any investment plans that you have on your sleeve.

With that being said, roll up your sleeves, because it takes effort.May I inquire as to what career path led you away from say being an architect?

Starting Monday I am going to push/pull 300' of 1" poly through the 3" PVC sleeve and run the pipes through the crawl spaces.

Additionally, if you feel tempted to call upon one of the many {web based} companies that have sprung-up in recent years purporting to {help you} repair your credit - give this a read first, then say no thank-you, roll-up your sleeves and do it yourself.Your first step is to control your spending to be subservient to your income ... as Mindy pointed out, live within your means and be frugal to pay down debt and save.   

There are those foam insulation sleeves you can put on the pipes.

This is really powerful.Now I am rolling up my sleeves.. heck I am taking my shirt off, heck why stop there, I'll go naked if I have to!

is this a window unit or sleeve unit in the wall or central air..Normal for window units is to get about 10 degrees less than outside temperature, we had 12000 btu units wall sleeve a/c for 2 br apartment and would do OK unless real  hot day..