If you press 1 you go to a "special offer" you have no choice to refuse, if you do you get disconnected. 

Bottom line: our kids don't need much of our money when we die- $100k each is more than enough (exception of course: special needs children).

Hi Krista, I really like your mission to help women specially. 

I'm also a licensed agent in Colorado and that money goes to my "wants" like special trips, gifts, and money for my future rental properties.If I wanted to 100% live off my rentals and have no issues or concerns with money (reasonable quality of life), I'd want to be closer to 25-30 rental units.

It's worth spending a couple thousand dollars to get the facts about what you can and cannot do and to be guided through the process correctly the first time by an attorney specializing in these complex, ever-changing laws.

If there are any recommendations for attorneys that specialize in Real Estate Law in the STL area, please send them my way!

Take anything that is possessive and replace with "the hot tub" and "the fully equipped kitchen. 

If this tenant is allowed to get away with it, other tenants will look for special exceptions on things they want.Give tenant options where you win:1) Keep doing this and after a certain date the bike will be removed and donated to charity2) In the meantime, a daily penalty will be charged3) We can install a bike rack for you at your cost

@Matthew Crane  Do you have a CPA that specializes in real estate taxation?

The easiest way to turn a balance transfer into cash is to use the special checks that credit card companies usually send with offers or with the monthly statement.