Apparently you haven't experienced Vermont's awarding winning craft beers!

**Update** Looks like @Dave Foster also replied while I was crafting my message, and I will second what he wrote!

E.g travel the world with my kids to experience other cultures and crafts.

It's an honor to learn from those who are amazing at their craft because they certainly don't need to teach it if they don't want to.I'm grateful to everyone here in BP who've helped those who are less experienced than they are.

If we pulled your report and there were no unpaid debts, and a low debt to income ratio, that would be a good indication that you were a respondible person.While what's on the report is obviously what crafts the score, what's on the report is really what gives you the most insight into the person's level of responsibility. if things were that simple the world would be in much better shape, honestly valuing tenant based on credit card usage is creating its own discrimination problem as well but well yes the whole financial industry is using credit score to grade people lol so problem started from there , although in reality most of economic turnmoil are created by the higher score guy, philosophically speaking lol ...FICO score is the #1 most WORTHLESS tool for indicating how good or bad a tenant applicant is, by far. 

I have crafted one up that is tight and binding.

Budweiser beers or something craft?

Just my opinions from a person who is a full time investor, runs the largest REIA in the state, former President of the State Landlord's Association, Worked with the Legislature on crafting Bills, formerly a licensed RE agent.  

Take your time and learn your craft before plunging in head first.

In part due to local businesses like the craft brewery Refined Fool - If you're in Sarnia - I highly recommend checking them out - great variety of beers.