Nowadays, I'm not sure they count the current payment amount (which would be zero if you haven't taken anything out of the hloc) or if its become worse case for and they assume you have maxed it out. 

I probably need a license to file it down.Because nowadays, you need a license to get a license to license.

As an alternate point-of-view, here are my reasons:I have an interest in everything I do nowadays. 

I'm assuming this is fairly rare to find nowadays?

what types of terms or lingo may be considered "buzz worthy"?

But a basic 3/2 in a decent neighborhood is a million dollars nowadays. 

Hey @Alexandra Preziosi getting a tenant in NJ nowadays isn't that hard, however investing in a good area doesn't hurt either.

Anymore, I buy led bulbs for everything in my personal residence since they're becoming so cheap nowadays. 

Pricing is really good and I have heard the buzz on the plant.  

Note: @Brandon Turner most likely doesn't need to use HML nowadays.