Every year I talk to countess "Investors" who: * Have been thinking about investing * Have been reading about investing * Have a friend who failed at investing so that means you'll fail (The elusive friend) * Are saving for a down payment * Are Waiting for rates to go down * Are Waiting to finish their real estate course * Are Waiting for their mentor to tell them to buy * Are Waiting for summer (insert any season), to get started * Are Waiting for the market to straighten out * Waiting till they can afford it * Waiting till they get a promotion * Waiting till their friend or relative can partner with them * Trying to read just one more book, then they will get going * Waiting till they buy their own house * Waiting till they get a raise * Waiting to graduate from college * Waiting till their friend or family member becomes a realtor * Waiting to be married * Waiting till they contribute their maximum to a 401k * Waiting till they get done working on their own homeThen after giving me their excuse for waiting to start investing they ask: * What happens if the toilet gets clogged?

http://www.amazon.com/Mens-Health-Power-Training-Performance-based/dp/1594865841/ref=pd_bbs_sr_1?

We parted ways a few years ago and since then I have worked in the Entertainment Industry as a Club/Events Promoter working with several celebrities in Urban and Sports Entertainment.

Subtract from that the increasing cost of health care in our state and people are left with a 1.5-2% raise year over year.

The objective of the revision is to enable HUD to promote and facilitate the restoration and preservation of the Nation's existing housing stock.

Comply with health and saftey codes except where you or guests cause the violation.Now each time it does go out, the maintenance guy is here to fix it within an hour, for which I am greatfull (being in NYC without heat in the middle of winter really sucks).

It can be due to some unexpected expense, some unforeseen health condition that requires spending lots of money or may be simply because planning out the monthly budget ended up costing huge amounts of money.

Some even offered health insurance with it.

Where I'm at the only 'clubs' are made up of homeowner organizations that promote anti-landlord restrictions.

Also check with the local health office to make sure the apartment hasn't been closed down for some sort of health or safety issue (sewer problems, mold, unsafe construction)