Also, make sure you have an emergency fund to cover six to twelve months of expenses before you buy a house. 

ETF doesn't offer much advantage over mutual fund for retirement account in my opinion, as you don't want to trade often or cash out (unless for emergency).In general it's recommended to contribute 10-15% of income to retirement account.

If its not one of the 3 emergency's, forget about it. 

Be financially prepared by having an emergency fund and budgeting for repairs.Good luck!

Or it could be that you have identified an emerging real estate market with huge investment potential, and selling your existing property gives you capital to invest.Another reason to change investment strategy is to diversify geographic location.

Even an after-hours emergency call should have been less than $200.I would contact the locksmith to verify this is a legit charge and get the details of what happened.If it really was a broken knob, then I think it's only fair to absorb the cost.

Also look for emerging markets or areas that are seeming to grow.

All cleaners must go on checkout day and I allow limited exceptions in peak season and weather / emergencies etc. 

Let them know about the incoming storm, share local emergency resources, and offer flexibility if they want to reschedule or cancel.

Unfortunately i have a family emergency so i am not unable to attend.