Frank, sorry no body has answered your question.

I am concerned at the rate in which the government is begining to control different bodies banks, insurance, brokers...etcI'm more concerned about some type of attack or test on america if Obama is elected.

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For plain text SMS, there are ways to keep the costs down, but when you're looking to send images out in a mass message without the end-user initiating the session, you could be looking at some fairly steep fees from the wireless providers as well as registration fees with your state/federal telecom regulatory agencies (In the thousands of $ in monthly fees).This is actually the exact reason that I built seeinside.mobi the way I did, with the mission of keeping costs down for all parties concerned (agents as well as buyers) as well as to limit the amount of interference from regulatory bodies while avoiding local & international legal issues.

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Option premiums are fat right now so if you're looking long term you might want to stay away from the covered calls because of all the volatility in the market.

Dangle a Big FAT Carrot...

I would like to get started with a du/tri/fourplex in the centeral CA area (fat chance I know), but could deal with any such dwelling anywhere from WA and TX, and possibly select north-eastern states.

On a conscious level your body and mind responds to being fed negative statements.So what are you afraid of?

Depending on your state law, that amount could be as little as $10-20.Then, once you secure or control the house with your option you want to sell that house as fast as you can so you can get to your fat 5-figure pay check.