Certainly wouldn't have much issue showing credit card statements of local restaurant/grocery/gas purchases in that area through the year, but that seems a bit asinine to track or even think they'd request. 

So your thinking when they raise everyone's credit card limit, that people will spend LESS....

Hey Raghul,This is a classic debate every investor faces at some point.

Our debt include only our primary, the duplex, and credit card $3,175.91+$7,317.49+$2,000=$12,493.

To what degree is a wild card.  

Always have your business cards handy and be ready to follow up on leads promptly.Work with an investor-friendly agentRather than conduct a search independently, work with an investor-friendly agent (or multiple real estate agents) who can keep their eyes open for off-market properties.

It’s also possible to have a negative net worth, which means your liabilities are greater than your assets.Examples of assets that may be included in your net worth include:Business interests Cash and savings Investments Personal propertyReal estateRetirement savingsVehicles Examples of liabilities that may be included in your net worth include:Credit card debtMedical billsMortgagesPersonal loans Student loan debtVehicle paymentsNet worth is very easy to calculate: You add up all your assets and subtract your liabilities.The net worth formula is:Net worth = Total assets – total liabilitiesHow to Select a Net Worth TrackerYou can choose from several net worth trackers to help you monitor your financial position.

Trade cards and follow up with everyone you meet. 

In this case, speed is your friend.If you can, pay for repairs out of pocket (or on a credit card or with a loan) do so and then submit the actual bills to the insurance.

At this location we will move 20 of the 115 to autopay, the rest are already on autopay (debit/credit card/bank echeck).  20 doesn't sound like much but times 5 other locations this will reduce our workload.