Some have good earnings growth, pay consistent dividends, and have very healthy balance sheets.

The balance on the Loan is 40k.

So it's definitely a balancing act.

Just need PnL (Profit and Loss) and B/S sheet (Balance Sheet) right?

One thing exercise can do is it can increase certain way but to true mimic the 22-25 years these hormonal stuffs needs to be balanced.

If you do, keep the balance low and take advantage of the zero interest balance transfer option on credit cards.

But in case they didn't, I want to make sure I balance that out by helping people here from time to time)

There is a delicate balance somewhere between keeping legislation strong enough to protect homeowners, while also not burdening the industry so much that people choose to do work illegally as you suggested, or take unnecessary time to deliver a finished project (and thus a home for somebody in this case).

Anyone had any issues doing Balance Transfers?

However, many businesses choose to report on-time payments, late payments, purchases, loan terms, credit limits, balances owed, and significant events such as account closures or charge-offs.