I'll do team bonding every other month or so where we get on video and play some kind of game - the JackBox gamers are our favorite.For accountability, mostly trackers.

If you want to watch the full presentation you can do so on my company webpage, but the highlights are this:RE Lenders require collateralRE Lenders require "Skin-in-the-game"RE Lenders ALWAYS mitigate risks, the primary way they do this, require more "skin-in-the-game" from the borrowerIf you ever find a "lender" that uses a "free" email service this should be a huge red flag. 

I don't shoot to totally eliminate my tax liability by affirmatively attempting to lose money, that's a fools game. Real

There are two groups backing this, a social activist usually college educated group with strong socialist ideas and a group of people who have grown up in a subsidy environment where the people doing well are drug dealers/system gamers. 

In terms of Dave Ramsey advice I mean that is a really really safe way to play the game. Real

If you haven’t played basketball and only watch Michael Jordan playing basketball, you will say that playing basketball is easy.

I really don't mean to insult you but that's similar to a 10-year-old claiming he wants to be a professional basketball player and asking what shoes he should buy.

It would be my primary residence in the States but I live overseas right now for 9-10 months of the year for my basketball career.

Like, if you've never shot a basketball, you don't need a coach to tell you how to get a ball in the hoop.

I wanted high level idea What you are asking is the equivalent of asking who will win the National title in college basketball this year.There is no "high level idea".