Of all of them, Your Money or Your Life radically shifted my mentality on work and money, got me tracking and evaluating my spending in alignment with my values, and honestly gave me the emotional permission to not equate my identity as an educator with my job as an educator.

For us, what keeps our clients renewing is our list of truly PROFESSIONAL, licensed, insured, and BONDED vendors that we NEVER mark up - this goes back to the piggy bank mentality - volume will get you paid - milking an owner with the "nickel and dime" mentality will leave you with no properties to manage, and a crappy reputation.Treat your clients like gold, and they will not only stay with you, but tell all their friends.

It might also  give you some small amount of extra cash flow and it would be  better for your mental health.  

Having dead equity sitting in a property is the most ultra conservative investment mentality.

So you go in and the squatter is not mentally stable, then he attacks you with a baseball bat or a hammer and you do what you have to do to defend yourself.

Full disclosure, I have a background in mental health and addiction treatment so I may be in the minority here.

., a lender may state on a loan application that a prospective borrower’s income is greater than it really is in order to facilitate approval of the loan);Adding insincere co-signers (lender adds a fake cosigner for loan approval);Making loans to mentally incapacitated homeowners;Forging signatures (lender forges a borrower’s signature on an early disclosure);Paying off lower income or interest mortgages;Loans in excess of 100% loan to value (LTV);Bait and switch tactics, such as substantially changing loan terms at closing;High annual interest rates;High points or padded closing costs;High loan origination fees;Balloon payments;Negative amortization (where principal balance increases rather than decreases);Padded appraisal costs (inflated home values in appraisal);Padded recording fees;Bogus fees (e.g., HUD will state that the broker has a fee for underwriting fee, when in fact brokers have no underwriting fee);Itemizing duplicate services and charging separately for them;Misinforming the prospective homebuyer that credit insurance is required and/or failing to disclose to the buyer that they are earning a commission on the insurance;Mandatory arbitration clauses;Falsely identifying loans as lines of credit or open ended mortgages;Forced placed homeowners insurance (lender falsely claims that homeowner does not have insurance and then gets an undisclosed commission for selling it to them);Repeated refinancing (flipping);Daily interest when payments are late;Excessive prepayment penalties;Foreclosure abuses; andHome improvement scams.A range of state and federal law of laws are available to help attorneys address dismantle the harm wrought by predatory lending practices.

We all have the Amway mentality when we see something MLM but this flat out can change how you look at mortgages.

Whereas a Tenant must be a mental midget incapable of thinking or having a thought on their own.Therefore the laws are so against landlords and favor tenants, (because landlords must obviously be always taking advantage of the tenants who have no ability for rational thought), that even the Chicago Association of Realtors says, Avoid the laws, and don't take a security deposit.See the Blog here: http://chicagoeviction.com/2014/01/association-realtors-deposits/

If we work out a payment plan, we can sometimes save the tenancy and receive all of our rent, plus late fees.We currently have one tenant who got behind on his rent and we had not been diligent about addressing the issue with him, partly because of his mental state at the time.