There are a lot of trees, hard to see through the global map.  

Back in the 1970s, "all" the scientists were insisting we were heading into "global cooling" and entering a new ice age.

I believe Italy hasn't completely recovered from the 2008 Global Financial Crisis due to a combination of weak banking system, political instability, weak demographics and taxation issues.

Most cards are 1-3% of the balance reflected as min payment on the credit bureaus but there are 5% min reporting cards that are out there.This $5,000 min monthly gets factored into your monthly Debt to income or global debt coverage ratio (DTI or GDCR) when obtaining bank financing so this strategy using credit cards might cut off your refinance exit strategy and now you may be left with only selling the property or others.Prudently planned you can get the best of both by using credit cards strategically while maintaining your credit/financial plans in order.There are a lot of credit cards that are relatively low around 7-10% interest annually (.58 - .83%monthly) with available credit limits up to 50k each and unlimited cash advance allowed with no cash advance fee's.

Be consistent in your follow up - many will say no @ first, but you want to be top of mind when their broker pisses them off or when business takes a downturn and they look for external drivers to boost their business.I've recruited about 55 agents directly and built a global org of over 2,850 agents, and this has worked well for me.

As you start to grow, you might want to look into more professional options like Global Call Forwarding, Grasshopper, or United World Telecom.These services offer local area code numbers with a bunch of call forwarding rules like time-of-day routing/business hours, custom greeting messages, voicemail, sequential forwarding, etc.

The agents are working individually for the most part and our contacts have become unmanageable.As past and new clients come through, we typically update contact information on our global (shared) Google contacts list. 

However in Cleveland, one must ask who are the folks that are choosing to rent instead of buy and among those individuals the type of culture they embody in treating their living space.Drug and Substance AbuseThis is a big issue globally, but it gets real here in Cleveland. 

I wish I had had mentors back then because I probably would have made a better decision at that time.I left LA in 2010 after a series of short, high-stress jobs and the 2nd set of layoffs I experienced in a 2 year timeframe  -- the first one occurring at the beginning of 2009 during the global financial crisis, the second one occurring a year later at a very well-known media/tech company that has since shuttered.

I love gum almost as much as I do science.