There was only one in history who's personal integrity was beyond reproach and no one can meet that standard, all you can do is try.Ethical conduct is learned and a choice is made to follow higher expectations set by each of us as well as by society.

If you love the animal enough you will put what is best for them ahead of yourself.Sadly in our society many "want what they want when they want it" and to heck with the consequences or who it is best for.

We live in a society that values education.

@Karen Margrave thx for the reply, I have had numerous credit card offers in the mail, just like im sure everyone else has I know real estate has a lot to do with leverage and having mortgage debts, when it comes to personal finance I just always believed if you cant pay cash you cant afford it, I guess I just need to change my philosphy in life, and get a credit card, I just never believed in the ripoff adjusting extremely high interest rates most americans get in trouble with.

I live in Earlysville, VA and I am currently investing in the Richmond, VA area.I am an ex-patriate Brit now naturalized American citizen :).I invest with my partner John Kendall.

He got rich investing in Coca Cola, Wells Fargo, American Express and BNSF Railroad. 

For example, Northern liberties, Society Hill, Graduate Hospital, Olde City, Queen Village, Italian market etc. homes in these neighborhoods easily value $635,000 to well over millions depending on what we build.For example take a look at these: https://www.dropbox.com/s/9yvoretorxl1my9/OrtliebSquare%20DESIGN%20VID.mp4?

Today, the mainstream has finally caught on, and courtesy of RealtyTrac has come up with its own name for this subsidy: Vampire REOs.http://www.zerohedge.com/news/2013-10-03/meet-monster-housing-market-presenting-vampire-reos-which-65-americans-live-mortgageSorry for the length, but would it be frivolous to invest in rentals or REO's seeing as this bubble's about to pop?

Just got an email that the two largest giants of outsourcing will be merging together.I think there's better quality foreigners on Odesk and better American quality workers on Elance.Hope the technology sees a huge boost!

ASHI's website (American Association of Home Inspectors) has only ONE inspector listed, and I wasn't impressed with the credentials when I checked the website (too vague data on experience, previous trades, etc).So I currently have 3 options to choose from:Inspector #1 (found from TAREI - Texas assoc of real estate inspectors): on BBB since 1993, A+ rated.