You may think you are being nice people, but unfortunately all it takes is one bad apple to ruin the bunch.We are, after all, living in a society that the first instruction on a folding baby stroller is "Remove Baby".

Have I received more than I paid - 10 fold. 

@Naveen Desai My goal is really 2-fold.

The problem would be three-fold:1 - More immigrants would come to the US2 - Companies would have to start paying minimun wage3 - Because of that, they would probably hire less workers - more people with less job opening = increasing unemployment.Then, because they are all now US citizens who want to work but can't find it, they become eligible for unemployment compensation - which in turn all of us would have to pay through increasing taxes.So ti is a very delicate line here that Congress and the President have to walk when it comes to immigration.

Your question about sorting out financing as one of the very first steps is something I get a lot of questions about, and I 100% stand behind my belief that financing should be addressed before nearly any other step in the process.The reason for this is two-fold:1.

My goals are two-fold.

My answer is two fold.  

If you were playing poker, and you had a bad hand, would you keep throwing money in the pot with the hope that your cards would change, or would you fold, stay in the game, and move on.  

Decima says "the green folding kind".

Advantage of a van with the fold away seats is it is also a family vehicle when needed.