I'm afraid that the talk of bottoming out is premature and is not based on the facts.

I guess timing of the roof in other states comes down to how harsh the climate is there.The heat does prematurely bake roofs here but we are lucky to get an inch of snow a year so the cold is not an issue really.

This is what the story behind the story is.. if you can't get to the site:Me- "Hey can I buy a piece of bubble gum from you for $1.00?

Acetone is one way, but I would also look into some of the new adheasive removers.The one that I am thinking of is called something like Gunk or Gum.

Tenants love the 70-100Mb bandwidth and it is a definite "plus" in filling our student rentals.Normally, I would have included Internet it in this unit, but where I opened my mouth and prematurely discounted the rent, we did not offer it - though we did pull the glass (fibre-optic cable) into the communications room.Ironically, this renovation cost about the same as purchasing a 2/1 or 3/1 in your farm and must seem completely over-the-top to you  .... it aggravates me and I'm fully cognisant that we have a much higher cost of "everything" (and an ill Loonie to top it off).  

However, I see potential to work deals in many different ways and can see where straying from what I know could be dangerous without a strategy.If you can share an example, an article on someone gummed up by either of these situations, it would be really educational.

If you pay down a ARM, your ROI is your interest rate plus you mitigate against  future lending risks.If you can invest your money into something that would yield 10 or 20% I would favor that over paying off any loans pre-maturely.

Anyway, now that I read this thread I kind of feel like a turd for requesting to be a colleague prematurely on a few.

They create many problems for water softeners and can cause them to fail pre-maturely.

I would avoid this situation of selling the house prematurely and have them pay you an earnest deposit to have the right of first refusal (non-refundable).