It wasn't all that long ago that the esteemed mayor was indicted on corruption charges - found guilty too! 

Last Year at the age of 19 I decided to go back to School and finish in order to grab my diploma and proove to myself no matter what you can always push yourself a bit further.Luckily I was born with a good head on my shoulders and despite being abused I always knew I could do great things in life If I just belived in myself.After atending various seminars ie Anthony Robbins and Dr John Demartini I started to get the crazy idea that at the age of 20 I could outshine every single other teenager/young man and really live a passion filled worthwhile life.So I've decided that this year I'm going to go full throttle into investing and make a great life for myself and one day future family/friends.However I have a major problem and this is where my ' Tough Question ' comes from.I've worked various jobs and because I never held myself to high esteem they were always bottom of the barrel, retail or temp jobs that usually had a manager who treated you like dirt thus giving me a really nasty taste in my mouth for ever wanting to work again.To be frankly honest, I dont want to ever work again.

This is my first post on BP so my self-esteem and I hope we will get answers from you BP members, even if the subject is quite specific.

His closing sentence was, "I reciprocate your kind prayers for the protection and blessing of the common father and creator of man, and tender you for yourselves and your religious association, assurances of my high respect and esteem."

@J Scott Wow what an honor having such an esteemed guest respond.Thank you so much for breaking that down.

Well, two days after listing the house we got multiple offers, some over asking, and I could not be happier and more grateful to God. 2017 was the year when I went through the lowest point of my flipping career (albeit a short 2-year one) after losing a significant amount of money and sleep and weight, hair, smile, relationships, self-confidence, and self-esteem.

Basically, back in the day, the self esteem of the individual borrower determined the deal they got, since the MLO could just tack a pre-payment penalty, make it an ARM, bump the rate, etc, and get paid more for every little "feature" they shoved in (so if the 'true' rate bump for your 680 FICO was 0.25%, they'd bump it 0.75% and get paid more for the 0.5% difference... in this world loan shopping obviously made a huge difference).

@Sandy Brown  I'll disagree with a few of my esteemed colleagues here. 

Don't brag, I really dislike braggers, they are often new money types lacking self esteem feeding an ego, it's an indication of greed and greedy people are often an easy touch in finance.

I was hoping to get some suggestions from our esteemed colleagues.