I wish I was as smart as you when I was 21.  

If for some reason I can't figure it out, I know it will cost a minimum of $100 to have a repairman come out so for most appliances I can get a decent replacement for $100 - $150 (front load washer, glass top stove, ect).

That's a VERY smart first step. :)Liz

As far as REI is concerned, when is buying down a loan a smart move?

Ask him if he had found any major problems that he took pictures of, if there are only minor things, cracked glass, cracked tile nail holes etc. don't even bother, if something major then it be be good to have to document and use for negotiation.

That's a VERY smart first step. :)Liz

That's a VERY smart first step. :)Liz

It's not at the 40k level.Insurance companies are smart and if you read your rider they will disallow lot's of claims with loopholes to get out of paying.

Erick Moreno I certainly don't think I was born with all of the answers, and like to think I'm at least smart enough to know when to ask for help, and was just looking for a second or third set of eyes to make sure I'm not overlooking something.

I am still working at it to help others reach their dreams if they are willing to work very hard and very smart.