@Duriel Taylor, @Jay Hinrichs and @Scott Choppin have both hinted at what I see as one of your biggest dilemmas - what do you bring to the table and how does that translate into general experience. 

Something with a hint of grey is great because the scratches often show up grey, so they really hide scratches well.And I use the vinyl in bathrooms too- no glue issues with the click vinyl.

"I've done this for lots of people, hint hint, ask me how." 

I noticed you were new here on BiggerPockets and wanted to hint at the search tool/ribbon at the top of the screen.

But this is good stuff, we will know which theory will be correct in short future :) As you rightfully hint, it's really anyone's guess.  

Hint, good deals are hard to find or else someone else would have already bought it.

It has been so long since I sought a high-ratio mortgage {hint: mortgage rates were double digits}, I did not realize the criteria had been relaxed for a period of time.

I'll give you a hint: it's usually NOT the people who day trade.Questions:A word of advice...FOLLOW THE MONEY. 

Ask yourself, if when there was a hint of the last bubble actually moving into reality, had the Federal Government, rather than allowing everything come tumbling down, and people lose their homes, etc., (all due to programs and policies that were put in place by politicians), they had worked with the banks in extending all the loans on houses (say under 30 years old) to 50 year rather than 30 year terms, or something similar what would have happened.

I guess I should have got the hint of a scam when they invited me to a training and didnt have any hotel details, agenda or nothing ..on top of that they charged me twice luckily my bank was able to stop payment before it got there from pending .glad I called bank after I signed up .then I tried to call their customer service number to find out more , it went straight to leave a message etc, didn't even ring like a normal customer service..I have never had an issue with any guru company.