The banks have been encouraged by the fed to work deals out with borrowers and I think that will continue to happen.

The changes ensure both buyers and agents are protected, but also the sellers.Compensation: Buyer agent compensation has always been negotiable, but the recent updates encourage even more flexibility.

So I would encourage you to adjust your expectations starting out and develop the discipline of saving money so that every month your net worth is higher than the month before.

I had already decided when their lease was up they were getting a hefty increase, which encouraged her to move on after a few months of M2M.  

I encourage investors to buy now while prices have cooled.

As for your specific scenario, I would encourage you to reach out to a professional to guide your tax planning activities ASAP.  

Your comment is one of the only ones that made me feel encouraged and not like I’m a failure.

Personally, I'd prefer dollar-tree ones (if basic, uncluttered look) over none in the room (bedroom, whatever) because I want to encourage trash being put away.

A very encouraging post!

There is also the alternative of doing a step up in the rate after 5 years to encourage them to refinance.