He basically ended up having a nervous breakdown, was in the hospital for a week or two, and the whole Ponzi scheme fell apart.

Anything can be better, but in the grand scheme of things, I think there are other more important items that Josh can add and work on rather than this.Now James can paraphrase my thoughts and receive all the votes instead of me

@Jeff Lee My feedback is going to mirror the masses here.Always pick a color scheme that will apeal to the most people.

Frances about transactional funding because I have personally done a lot of that for wholesalers over the years.. and she went on to say that is not legal either for the wholesaler her point was the Agency is going to take the position that the wholesaler came into title in the morning and out in the evening and its a scheme to circumvent the license laws as well .. the thought that they still had to advertise in some form a property they did not own.So to me its clear to be in the home flipping business in OREGON and do it legally you need to close and hold for more than a minute or a day..

After doing some reading on Prosper and Lending Club, even though I think they are great alternatives to traditional CDs,  one thing that worries me a lot is that these business models are the perfect PONZI schemes. 

3rd Floor = Existing Carpet2nd Floor = New carpetTherefore stairs should be new carpet colour. 

Don't come over and plop down in my chair, grab the channel changer and tell my wife to run and get you a cold one out the fridge.America is a very young country in the whole scheme of things.

Soon they are working on schemes to move more and more of your funds into their pocket without you getting what you want.

The Ponzi scheme pension plan bothers me.

For example, the $1500 for painting would get me a 3-color paint scheme in Atlanta (ceiling, walls, trim)...for this house, I'm expecting a 2-color paint scheme (ceiling/walls and trim).I'm guessing that labor prices here are about 20% more than Atlanta, but I haven't verified that yet.