tag=lst-0-4It definitely will help with keeping high priority tasks right on your desktop to remind you of things.You have some good ideas.

If I had to do it all over again, I would not use Quickbooks Desktop for 1-4 properties.

I use the desktop version of Quickbooks.

Decided that 401K's is exactly what this situation calls for.We had a year like this in 2011, had to put on a new roof, and we all had to upgrade our PC's, ran us about $10K.

@Bill KramerIn the desktop app, type the @ sign and the first few letters of the target's name and a list of people you can tag shows up.

The appraiser company, the lender choose charge me $700+ for the appraisal and then i received another email from another company to pay $90 for Collateral Desktop Analysis (CDA).

I applied through PenFed and we just did a desktop appraisal which is enough for what I need.  

My question: As those of us with access to accurate market data and knowledge are the significant minority, do we have a moral/ ethical responsibility on calling out the fear-4-profit people on the their... well their lies (no pc way to say it)? 

Also requires closing costs.Our Heloc was easy to qualify for and only costed $300 all-in because we accepted the banks' free desktop appraisal. 

If the lender's specific desktop appraisal comes in low you can usually then pay for a formal appraisal if needed.