I do like Lew's attitude, however;"morale" is different than "ethical", morale is one's own beliefs and ethical is accepted conduct in an industry when we speak in terms of business.The FNMA statement is a condition stating the right to accelerate the loan is reserved.

If they're occupants, they must comply with the rules of the community. be careful asking them to remove something that is otherwise legal to hang, especially if it could be construed as religious.

But that's just my belief and it doesn't really matter anymore because they are no longer offering that program.

That's a limiting belief. 

I know people who avoid interest for religious reasons.

There are many "ways to invest," but, when you are trading with real Money, there is no place for "Beliefs" or "Hopes."

There are definitely some strongly-held beliefs by new posters who seem to have a self-serving reason for posting.  

I may have a very different feeling and belief system...there are many tax traps in self directed IRA's.

Difficult to proceed, qualify or find investors if you have a proven track record of poor money management.Look in the phone book for help but all you really need is to pay off your debts and get a credit card you can use for every expense possible and pay it off religiously.

I am curious now that October numbers are out is there any more or less belief that the market is changing fast?