Whenever I hear talk of the lottery I think of a phrase similar to what @Anthony Gayden used from a Brother that taught at my high school that I've never forgot:"The lottery is a tax on the stupid" That puts me firmly in the no camp.

Interesting phrase "Oregonize." 

when I hear the phrase "live below your means" I always think of it as you need to look at your budget and decide where you want to be According to your own finances.

@Jessica Piff  to phrase it differently your max loan regardless of form is likely $28,000.00 so it would need to be an inhouse loan for a bank.

@Jay Hinrichs the real interesting trend is HELOCs as a form of refi; regional banks are basically pitching the old 5-year interest-only ARMs as HELOCs to wrap up 1st and 2nd mortgages.

If you look at section 1950.5(c)1, it includes the phrase "however denominated" when talking about the max security deposit you can collect - in other words, whatever you want to call your fees, they're part of the security deposit. 

Margins are shrinking as real estate becomes more popular, this trend is expected to continue.

2) Every publication knows that “trendy headlines” are catchy and they usually slap an article of “FLEEEDOM” and hope to attract eye balls to pay their bills.3) Here on the ground in the Bay Area I hear more noise and see nothing.

I AM THE OWNER & OCCUPY 1 UNIT OF OF A TRIPLEX IN [TRENDY] SILVERLAKE CA.

I love the phrase “trust, but, verify.”