Perhaps this conversation can shed some light on that notion.

I first heard about this notion of "no PMI" on this week's BP "newbie" podcast where the guest found a bank which kept the standard interest rate and did not require 20% down for no PMI.

Interesting, the "Investment club" notion.  

Lastly, this amateurish notion that appreciation is merely whimsical speculation, fitful gambling, etc. has been debunked many times on BP.

If they have this notion, I wonder if they then view me or my company in a negative way since the yellow letter is so rudimentary.  

This gives me hope that our notion of owning before investing isn't necessarily the only route.

I also agree with others regarding the notion of having diversification in the form of the TSP, outside Roth IRA's and real estate.  

Not just asking them about their property, but something of the notion to get them over to your website.Yea, get them to the website so the site can do all the work for which will save you tons of time and eliminate those tire kickers.

It shouldn't be any surprise then that the majority of buyers also have pie-in-the-sky notions of what they can afford.

Is perfectly good the simple notion of payment history?