Currently health insurance is about 2300$ per month.

And I've been in home health care and it's been my 20 yrs experience that many people out there do not ever start thinking about retirement or saving for it, much to their detriment.

She is retired and has some health issues.

I've come up on a unique scenario where there are some lots for sale that there is no legal access too. The

But that just wasn't my thing.Im here guys and im going to go through this website with a fine tooth comb and take notes and im also going to ask many questions to you experts out there so be ready.

The only silver lining is that with less home maintenance yo attend to his health is improving - he's 53.

Since most of my tenants are long term (over 5 years, some over 10 and two over 20) I will not hesitate to reno when needed instead of waiting for a vacancy, especially when there is a structural need or health risk at hand.Here is the previous thread on this topic.http://www.biggerpockets.com/forums/52/topics/118940-anyone-renovate-while-unit-is-occupied

I might go at like this:Labor48 = 8 units to be plastered at 6 workdays each + materials60 = 6 units needs some framing x 10 workdays each18 = Plumber days18 = Electrician days36 = Handyman daysX 2 cause I don't know what I'm talking about------------360 days x $240 = 86,400Materials/Packed work180k = 18 Ikea kitchens with appliances installed :-)$36k = 18 bathrooms installed$18k = 18 units painted$43k = $10/ft x 4300$18k = $1k per unit Fixtures Lights and Plumbing----------------$295kContingency of 20%-------------$440,000 TOTAL not including permits, health insurance, chocolate, and beer

uDirect is also one of the few custodians that will work with Health Savings accounts.

Kansas City is very good too. The