Even though it's already decided to move forward with Smarter Contact, it'd be great to hear others' experiences using Smarter Contact and to see if disabling the opt-out msg has been... detrimental or better.

Started using Xero last year, as better bookkeeping was needed a new acquisition with a partner. 

If it's the case that you are in an area where this is a consistent problem, it may be better to install a whole house surge protector at the main panel.

If you can only go to 90%, you're probably better off going the HELOC route.

I would recommend Columbus Ohio, it's one of the hottest markets in the US and you can get much better bang for your buck compared to Oregon!

Typically it's better to let it season. 

Given your strong credit score, a credit union or peer-to-peer lending platform may offer better short-term financing rates.

You have to find better deals or overlooked opportunities.

Built in a factory the quality is often better and cheaper than stick building out in the elements.

Way better price p/SqFt and perk of living next to someone you care about!