You're the fish.They often use a mix of fear, threat and urgency to push a target to act.It can be as simple as a 24 hours sale from your favorite shop that requires you to log in to your account first or your boss asking you to wire money right now or he/she/they will lose an important contract that will cost millions.So cybersecurity is important because without that, you might have an incident that can cost a lot of money, impact your reputation and might affect your credit score.

all of the things your talking about are readily available to you with simple google searches etc.PS BP has work shops that cost some money I have not been but I suspect those would be well worth the money..

@Trent Gulino Once you complete the remodel shop around for DSCR loans.

It’s always good to shop around or even negotiate a flat fee if you plan on doing multiple deals. 

Not to get too into the weeds, when you are face to face with someone, you can watch for mannerisms and non-verbal body language. 

Real- Estate  is a lot tougher game now because of technology now allowing buyers, sellers to access the market using the internet without using agents but  you do have hot areas that can support  more bodies .

You can bargain shop for an $80K property that cash flows $300/month.

Not that these aren't needed but you can shop around.

Let's say you accidentally use bleach on your nice white sheets and all the body oils get bonded to the fabric and are yellowing.

If you have the time to shop around, first look at your local consignment shops, nextdoor or facebook.