If I were you, and it was acceptable practice in the area to texture a wall then I don't see the harm, but otherwise for resale value purpose I'd smooth it out.

I then crossed referenced the substance of those covos with market direction in those areas.

Hi William,There is definitely no harm in joining a mastermind group, unless they're charging you to do so.

@Andre Cano, in order to properly harm your wallet, move to Manhattan...

Although I respectfully disagree, we both know this isn't the appropriate forum for a discussion on the application of the third prong of the test, or whether a local Judge would expand prong three to include situations in which, on reliance on advice that denotes an understanding of the law, a person acts on and is harmed by the advice of a lay person in another state who is not licensed in Virginia.

good old motivational fluff, great words no substance.....If you need someone to Motivate you, you are toast

HR 1728 would be extremely harmful to thousands of your constituents.It will exacerbate the problem OF foreclosure, as fewer sellers will be able to sell their homes to avoid it, and CAUSED BY foreclosure, as fewer buyers who have recently experienced foreclosure will be able to re-start the process of home ownership inexpensively and easily by negotiating owner financing.Thank you for your consideration;NAMELicensed Real Estate Broker license #Phone #email*IF YOU SELL HOUSES WITH OWNER FINANCING*Dear Senator [name];My name is Vena Jones-Cox and I am a life-long resident of Cincinnati.I am writing you to encourage you to vote NO on HR 1728, the "Mortgage Reform and Anti-Predatory Lending Act".While many of the provisions of the act are positive steps toward mortgage reform, the inclusion of private owners in the act (see section 101(3)(e)) will enormously reduce the housing choice of Ohioans and the ability of homeowners to sell properties in this already-slow market.As a professional housing provider, I sell several houses each year to home buyers on installment sale [or, if you have not purchased a property, add here: "I had planned to sell several houses this year on installment sale]--a practice that would become impossible under this law in its current form.I find that in today's slow market, the best way for me to help buyers who desperately want to become homeowners, but who cannot raise the down payment or meet the other terms needed for conventional financing, is to allow them to make payments directly to me.These sales are win-win deals for both the buyer and myself; I am able to turn over homes that I've bought and rehabbed (often from foreclosures) to buyers who love and can afford them, and the buyer can get his new home at an affordable payment and interest rates with none of the usual costs (points, application fees etc) inherent in more conventional mortgage transactions.In Ohio, these transactions are already regulated by state law: a low maximum interest rate is already in place, and both the buyer and seller are protected by other regulations at the state level.Without the ability to sell homes in this way, I will no longer be able to invest in and renovate any of the tens of thousands of vacant, ugly houses placed on the market by the foreclosure crisis, and my small-but-beneficial business will literally be in ruins.

They can very easily do more harm than good.

To get technical, you will be going up against the Economic Substance Doctrine which states that a transaction has economic substance if: (1) the transaction changes in a meaningful way (apart from Federal income tax effects) the taxpayer’s economic position; and (2) the taxpayer has a substantial purpose (apart from Federal income tax effects) for entering into such transaction.By transferring your primary residence into a LLC, you would not be changing your economic position.

And, if we're going to warn people not to use particleboard cabinets because of the concern about water on the cabinets, then we should also tell those same people to stay away from laminate flooring because water can harm those floors too.But,I'd be concerned more about water damage to the floors then to the cabinets when you've got a countertop on top of the cabinets to serve as a barrier/protection against water damage.