If the cracks are running the length of the boards it's probably the wood shrinking from drying out.If the cracks are running across multiple boards horizontally there may be some foundation issues that is actually slowly tearing the wood apart.Either way I would probably have a foundation expert to come analyze the situation.

The good news is you don't have to forgo the company match when you take out a loan.I also wouldn't suggest taking out a 401k loan if you are living paycheck to paycheck, as it will shrink your take-home pay immediately.

It's an interesting psychological thing, it's getting exciting to see those balances shrinking, and thinking about how much MORE money I'll have to invest when I finish making payments on past "Doodads".

In a few years I can see my salary easily shrink back to previous levels.  

Just saw this story here: http://bit.ly/2d6Px2RThe gist of it is that beginning tomorrow Saturday 9/24/16 lenders will now consider a mortgage applicant's payment history over 30 months to determine their credit worthiness.It is called "trended credit data".Borrowers that pay in full are seen as less risky and may qualify for a lower interest rate and borrowers that just pay the minimum payment will be considered higher risks.The old trick of avoiding large purchases right before closing on a mortgage and keeping your credit nose clean for a few months will not work.Bad news for flipping because it will shrink the buyer pool as more people will have a harder time qualifying.

Education establishments such as the middle school and high school have merged even, possibly from a shrinking student base due to changing population type.This was a argument from this homeowner that if rental control was in place, these residents would be able to stay local and their livelihoods or way of living would be protected.

All these changes may shrink the broker/agent market and force agents to either become elite or go fishing. 

Nobody knows what an ARV looks like in 3-6 months, and with conventional loans tightening and unemployment rising, your buyer pool is going to shrink.

All things considered, inventory is shrinking and so is the number of qualified buyers. 

So the condo market isn’t shrinking.