I'd love to see an extremely lean government without all the "fat".

Your problem is that you live in CA so you're going to get a big fat bill from the FTB each year, so it depends on your income and risk tolerance as to what makes sense for you.

There are many other things to consider when doing a HELOC vs cash out refi as you will not be getting a fat check deposited into your account tax free. 

There's no fat to trim.  

My point is, I love the title of the book because I didn't give a F*** at the time of purchasing.

TenantAlert gave our best tenant a big fat red circle, recommending not to rent to them.

Those are my faves.

The county knows there is a problem, but to keep the tax roles fat they took no action since none was initiated.6.

Theoretically, they will get a nice fat check when all is said and done.So what you're dealing with when you look at a property in a flood zone is a lot of uncertainty.

He'll fall for her and the next thing you know, he'll be marrying her and buying a ridiculously expensive "starter house" with a fat mortgage.And then come the kids, and the next thing you know, of course they have to get an even BIGGER house, and new cars every three years ("for the safety for the kids" of course).They'll end up with a truly insane mortgage they can barely pay with nothing left over for pity's sake and he'll spend the next twenty years trying to pay it down while raising kids who have to wear designer clothes and have expensive hobbies.