I understand the concepts of due diligence and delayed gratification, and expect the greatest success to come through educated trial and error.

Great job, that is one of the keys to wealth,  Wealthy people can delay gratification, and are willing to work for it. 

Borderline sexual harassment of your sister if you consider the casual calls he makes to her in all honesty.

4) And maybe if I make some good headway with this, reward myself with a winter beach vacation around this time next year (the delayed gratification this year is hard when we've just come out of -40 weather!!) 

Buyers are operating from a center of delayed gratification; delaying there purchase action for the thought of a future discount.

I'm not saying I would do that here, but if I was accused of discrimination, I would play that card....Sexual orientation being a protected class depends on the state:http://apartments.about.com/od/protectedclassesfaq/f/sexorientation.htm

If you really just love the people Ben, why not charge what I charge......nothing, LOL.It's a business and they do it for money, some may get personal gratification from helping someone, but let's not be naïve, it makes money.Follow the money, you'll find the motivation.All money isn't bad, the lack of it is the root of all evil as I believe Will Rogers said.

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Don't give in the the instant gratification, invest in yourself and your business and you can have a garage full of fast sports cars in your future!

Learning to delay gratification until you really can afford an item is a life changing discipline.