I would not sweat the $5 bucks or late fees provided they are not chronic offenders.  

He's knowledgeable in about every aspect but his chronic illness and ailments have stopped him from being as active. 

Bad roof design keeps it a leaking plus other chronic issues inherent with a 107 year old soft brick building. 

Not in any hurry to do anything with them (chronic procrastinators) 2.

It's funny, I can't tell you how many chronic flippers I talk to that have huge regret that they didn't keep at least some of their flips after they learn the game (and pay taxes after a great year of successful flips....).

Simple fix to outsmart the chronic late payers.

There is nothing lucky about betting on appreciation, especially when we are chronically underbuilt and the fundamentals are so solid:Huge undersupplyRock-solid mortgage origination and all-time high credit score per $ originatedRising building costs

The difference is this offers financial freedom, and Paramedicine offers bulletproof vests, PTSD, and chronic back problems.

You're just adding an unhealthy dollop of chronic stress to her life.

However, in the case of CA, they have been holding for decades ... there has been a chronic shortage of housing and the conditions that cause that are not likely to go away ... the weather is nice so lots of people want to live here (strong demand), the economy is diversified with high paying jobs (strong demand), you can't build into the ocean (limited supply), there are practically no empty buildable lots unless you go way inland (limited supply), environmental and strict building regulations make new construction difficult/costly (limited supply) ...