I am grateful for Roby and for his IQ (intelligence quotient) as well as his EQ (emotional quotient).  

Although I also think it's worth examining your mindset: instead of an action giving you a result you weren't hoping for being classed a "waste of time", just think of it as an intelligent way to make sure your operating at optimal efficiency.

I will use the acronym “covered entity” in this article, inasmuch as my principal focus herein relates to seller financiers engaged in captive finance and retailers and communities now covered by this rule extension.FinCEN can issue regulations requiring financial institutions to keep records and file reports that are determined to have a high degree of usefulness in criminal, tax, or regulatory investigations or proceedings, or in the conduct of intelligence or counterintelligence activities, including analysis, to protect against international terrorism.

Hard work, intelligent decisions, perseverance patienceRR

Threads like this inevitably do two things at the same time: they help pacify us with intelligent and compelling POV's, while at the same time stir unease given the contradictory and uncertain nature of trying to predict our economic future. 

Theres not alot of south Florida love on here (305,786,954) to be exact but intelligent people from all over.

People are getting ripped off daily with the insurance products that you are selling, but majority of folks here are intelligent enough to realize that they are much better off taking control of their investments into their own hands, rather than giving their hard earned money to the insurance companies which pay their sales agents commissions up to 90% of the premium received. 

An intelligent argument can be made either way. 

But, please, understand that we are intelligent, hard working people, that desperate to get out of poverty.  

I am even building a software tool that bridges my two passions...real estate and technology :)  The tool intelligently and automatically sources awesome deals for real estate investors and I would love my fellow BiggerPocketers to check it out because I am building it to help not only myself, but others too!