@Evelyn J Good  I would not put the effort into painting unless the cabinets are solid, your sink base is good, and you have adjustable shelves. 

- Don’t Get Screwed by a Shiesty Contractor- The Bottom LineThe Weekly 3: News and Data to Keep You Informed- The US population should outgrow most global economic peers.

They really showed where their loyalty lies -- with guests.But I'm also hesitant to draw broad conclusions from mistakes made in the early days of a once-in-a-century global pandemic. 

I'm always wanting to demo other lead sources, tools as a process improvement effort which is why I'm currious what v5 delivers?

Just your effort.  

But in a global landscape, this is nothing.

But bay area returns are likely to be higher as the appreciation may add to you active efforts.

I would not want to use the term passive, it is never zero effort as the term passive suggest.

For instance, yesterday, weak economic data in Europe put downward pressure on rates globally and perceived dovish comments from Federal Reserve speakers allowed bonds to hold the gains.

That is a rate of return of 6% on your money per year.Compare that with earning 5% in a high yield savings account (or higher in a CD) as of today and it takes ZERO effort and has ZERO risk.