I know the REFI process can be a bit of a gamble.

Thank you @Stephen Barton  sounds easy enough, of course due diligence is always a good idea, walk-through on the day of is a good idea.I don't need any more spams :)  but will reach out when we are ready.  

No more write offs of gambling losses, employee expenses, tax prep fees, investment fees, etc.529 State Education Accounts can now be used for primary and secondary schools in addition to higher education and can now also be used for religious and other private schoolsYou can no longer unwind a Roth ContributionSo many other nit-picky changes that will apply to very few folks, but will be important to get right for those to whom it does apply.

Understanding the online world and people's psychology helps.Firstly if you build a larger list and email it REGULARLY you will over time start to get through more spam filters and build credibility.

To find out, speak to the owner, neighbors or any local realtor.To the latter, I'd say this is the same gamble any local builder would take. 

Currently, 1 ton of gold goes for approximately $40,576,000 millionIf you have $40.57 million laying around that you are certain you won't have need for in 20 or 30 years, but that you cannot afford gambling with by investing in riskier or other comparatively illiquid assets, you would look to gold to solve that problem. 

Appreciation gamble?

Speculation is Gambling.

It becomes a crap shoot for the company, but they are gambling with the investors money.2.  

Look at it like gambling, people get caught up in the moment and only meant to spend x amount, the excitement causes them to spend more.