., Bookeeper, as well as Partner Z., and backup Partner A., who would take over your account in the event Partner A. dropped over from a massive coronary or similar incident. 

@James Z.  

Its just the idea of "a good credit report shows the person is reliable at being x,y,z" is the difference. 

Very true @Priscilla Z. 

Originally posted by @Phil Z.: - I'm having a hard time figuring out how the MLS helps you find unlisted properties owed by bank..?

That is the "plan-z protection plan", as I like to call it. 

A name like "A-Z Auto Sales" should have sort of been a red flag too. 

For me the hardest part is seeing these people I care about, sitting on money or sitting on opportunity that they could help themselves with live a better life but because of 'x' 'y' or 'z' they do not.

Brad Z hit it right with the pricing.

I basically take the same approach as any investing - don't sink all your capital into a single trade, know that the game is played in 3D (there is an X, Y, and Z axis - be sure to cover yourself in all directions), and NEVER invest more than you can comfortably afford to loose (this gets even truer as you get closer to retirement, adn a constant struggle as literally every dollar matters)... so back to vetting your sponsors and repeat the process!