They also play the game of raising the price and may take a lower rate for marketing.

The CD rate seems to be better than the nationally available rates listed at Bankrate.com so I say if you don't need the money in the next 15 months, and you don't want to play the stock market game, then by all means, do it. 

That's a SPECTATOR, I am NOT a spectator, I MAKE goals, goals win games but they don't do it themself, a person must get out and play the field and take shots! 

So never let anyone tell you no.Now,  you do need to be honest and fair with yourself.If you are going to try to play the system, then don't!

.• You can't expect to play the game and not miss a few shots.

I've lived here my entire life, besides college, and can say that while investing in a city like Kokomo is not an appreciation play, the cash flow can be very attractive.

Have any friends that play the drums in a metal band or belong to a biker gang?

This consolidation is 100% a trait of why this hard asset class is a scarcity play. The

Your MBA friend has went through several class to get his degree that have molded him in to think that if you play the stock market correctly it can be very rewarding and 34%, well thats seems impressive.

The only thing to do in CA, in my opinion, is flip or play the appreciation game.