The idea for me is to build security, and not lose my hair while doing it.

You are a lender and a 22 year old kid approaches you, well dressed, and prepared, but he has LONG HAIR.

At that point you are splitting legal hairs.

I'm afraid he missed the correct size by a hair.

You figure out the best solution for your model.Think of your brand, think of your long-term model, and think of what you want out of your hair and who will be managing this site.

Another good option would be to become a property inspector, except that you really need to have gray hair (IMHO) to gain peoples' trust in that role.

2 % isn't keeping up w/inflation)IRA's..3.5% STILL < REAL inflation #'s(I don't need Greenspan 2 tell me stuff is costing more...I SPEND that $$ he's talking about)Keough accounts, same as IRA's401K's a hair better, & w/matching employer funds, pretty decent...maybe 7%Stock Market....sky's the limit, right?

Dig the business but it does not help grow hair.

They post here because they legitimately want the opinion of the "gray hairs" on the site.

They have to sign the contract to get the job and if your terms are unreasonable, they won't sign the contract and you will have to either change the terms or find someone else.Also, I know this sucks, but I wouldn't drag my feet too long in paying him and getting him out of your hair.