You should know I respect that Nick.

Get all your balances on your active revolving cards below 30% of the respective limits by asking for limit increases or paying them down.By doing that alone you will see a dramatic score increase in just months.

Rich Rich -I have every right to post topics that I find interesting on this forum...just because you don't like the topics (or me) doesn't mean that you should derail the topic immediately.I would appreciate if you respect my ability to present a dissenting opinion from the majority of folks on this forum.Others seem to respect my right to post topics I'm interested in...it's common courtesy.As for my personal attacks in another thread, I apologized for that, my apology was accepted, and we all moved on...Perhaps you should consider doing the same...

With all due respect, I am going to disagree with Matt and say I am not under any circumstances spending money and my time researching a property (a title search) until I know if they are motivated and am pretty sure I have a deal on my hands, especially before cold calling someone.

My favorite part is: Here's how these savvy Insiders are preparing: In his 2008 best-seller, "Wealth, War and Wisdom," hedge fund manager Barton Biggs, a highly respected Insider in the "Happy Conspiracy," advised rich insiders to expect the "possibility of a breakdown of the civilized infrastructure."

Let me just add this with respect to the "language" you referenced in your note.

Heirs, Assigns and Successors: This agreement shall include and insure to and bind the heirs, executors, administrators, successors, and assigns of the respective parties hereto. 29.Encumbrances: (a) The parties agree that neither will cause or permit any lien to attach to or exist on or against the subject property, which shall or may be superior to the rights of either party or to encumber the property in any manner without having obtained the written consent of the other.

Hi, I must respectfully disagree Tim.

So, from that respect, the answer is 10% and no points, which is the limit in Missouri.To circumvent these issues, a joint venture approach is necessary.

I have not worked with Kim Hubbard but she is well respected and has been there for many years.