The Mortgage Professor has a ton of literature on this topic:Locking ArticlesYou may also want to check out the articles on float-downs:Float-DownMany borrowers "lock jump" if they can get a better deal and haven't ordered the appraisal yet.

It comes down to finding an expert to evaluate the extent of the damage to determine if Orange Oil can be used locally or a complete tenting is required.Thanks, LA GuySome research on evaluating ...Texas A&M professor writes ...How to Select a Termite Control Servicehttp://insects.tamu.edu/extension/bulletins/l-1785.htmlDue diligence in checking out Termite Companies, warranties, referrals etc.LA Guy

Here is a good article from The Mortgage Professor on the differences between Mortgage Lenders, Mortgage Brokers & Loan Officers:@Mike...Good Place To Start Reading About Wholesale LendersIt is quite confusing Mike...hopefully that will help some.

One of my favorite quotes about this came from my creative writing professor.

Here is a decent article from The Mortgage Professor's site about this:Lock Jumping EthicsMy personal opinion is that it is okay to jump if you get a better deal somewhere else.

It is possible you can find product that isn't volatile and is recast on a good note, but it seems like a lot of work when 30-year debt is such a good choice.Check out The Mortgage Professor's site:The Mortgage Professorfor a ton more information on loan products and articles on choosing the right product.

I was watching CNN yesterday and one real estate professor predict the RE market will go down another 10-15% more in price late summer of this year.

Here is a FANTASTIC article by The Mortgage Professor that describes dirty tricks by lenders and some great things to get up front to protect yourself:QUESTIONS TO ASK THE MORTGAGE BROKERHere are some other great articles of his on locking and the ethics involved: Is the Borrower Committed by a Mortgage Lock?

Acting and DirectingUndergrad in Theatre - TempleWorked as a professional actor and professor for a while and then my interests shifted.Absolutely the best degree for Sales :)While it has been helpful, if I were to do it all over again, I would have done accounting and economics and taken a position in Finance.I know, I know, they are totally related.

While J.T. addressed the issues of risk, which is inherent to speculation and investing in real estate, it fails to address the difference between speculation and investing.Let me begin by going way back to the first chapter of Economics 101, after the professor introduces themselves and begins talking about the general introductions to the topic, the student will be first exposed to the four basic functions of economics:Land, Labor, Capital and Entrepreneurship.These four functions of our economy are the ingredients necessary, to some extent, for every business transaction made by mankind.Success in any business means mastering the manipulation or use of these four elements.