There are a lot of uneducated people on this planet and just as many educated ones "helping them". 

I doubt there is a 'correct' algorithm on the planet.

Safer than any bank or government on planet Earth.  

The best place on the planet to live.

Has something replaced toxic mortgage products?  

Ok, First and foremost I don't care who you talk to on this planet you do need a website.

Toilets - go for MAX flush power and forget saving the planet in that department. 

Since I've taught the subject at the college level and have been around it in different capacities for over 40 years, I really doubt there is a guru on the planet that is going to teach me much about small RE investing, I mean really..... maybe a new pitch, an approach, but not in RE or financing.

Just a warning though, the smell of KILLZ (oil) and Polyurethane are both toxic and you will wonder for the first few days if the cure is worse than the disease.have Fun!

as for insects, litter the place with diatomaceous earth (makes the most sense between tenants, but can be used around humans and pets)worse problem with much contact is dry skin/rash.the powder is crushed diatomes (creature shells, chemically silica-ish) in effect it's micro shards of glass which wedge in the crevices of the exoskeletons. so bugs eventually get clumped up with the stuff and can't move. and sometime pierces the innards. so either way they die.it's organic, non toxic. just don't wallow in it, and don't let kids/pets play in it.