Is there anything else you recommend or do we just need to rip the band aid off?

If anyone has or has used any software/XLS spreadsheets to aid in tracking lead sources and are willing to share that, I would be greatly appreciative!

It basically functions as a stepped up Basis to your Heirs.If the Appreciation is significantly more than $500k, I would say it makes a lot of sense to look into some sort of Capital Gains Tax mitigation.BUT, is there a risk that one or both Parents may wind up with costly health care at end of life which may confiscate the Asset?

Based on my research, it looks like Birmingham is a great place to invest:Diverse jobs/economy (Financial offices in BBVA and Wells Fargo, health care providers like UAB, car manufacturers with Mercedes and Honda, and growing distribution centers like Amazon)Cost of living is affordableHigh % of renters with low vacancy %Best of all: Low property taxes! 

If someone were to seek a hard money lender to aid in the finance of purchasing a property and the cost of the rehab for the flip, How would someone get help with this and what might they need to secure the loan?

loli'm with jon on this one. debt consolidation is a band-aid. quit shuffling money around and get to the main issue of debt. for those of you that truly are in debt and looking for options, i suggest reading 'total money makeover' by dave ramsey. it's a great foundation (and kick in the butt) to build on. while i'm not in 100% agreeance with all of his philosophies, i certainly am when it comes to SPENDING LESS THAN YOU MAKE AND PAYING WHAT YOU OWE!

Also how common is it for a student to pay a semester up front with financial aid?

I use AAFMAA (Army &Air Force Mutual Aid Association).

She is a professor and I'm in healthcare. 

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