So the cost of implementation could be as low as $200 for a Schlage Sense (Apple Home Kit compatible) or Connect (Wink or any Z-Wave hub) door lock plus an additional $150 for either of the operating hubs that work with the door locks to allow the door to be locked or unlocked from anywhere in one has an internet connection.

My wife is from the first wave of the exodus off the island  back in 2000.  

One advantage of the new wave of portfolio lending that is really taking off right now is the loans are non-recourse.

I'm going to start at the beginning of March and do 3 or 4 waves of deliveries leading up to this summer.

Some people wanted to get into the business so bad, they created offerings where they wave fees and then they don't take a management fee.

If the wave of falling commodity prices continues then the outlook is not strong.

Is there something in your back office that if you could wave a magic wand and fix, you would have done it yesterday?

In fact, I like to give people some flexibility, so I usually wave the late fee the first time (if it's paid within just a few days of being late), especially if they give me notice it will be a little late. 

I'm watching the waves crash here in Puerto Vallarta and decided to take a peak back at reality.

@Camille Hubbard, Personally, I would go the "make waves" routine aka blow smoke and see what happens.