In most cases it's because they weren't installed properly or the house has settles causing them to crack.  

Someone can make nearly 200k a year and have nothing to show for it in 5 years and someone making 100k a year can live frugally below their means and have 300k by that time with prudent investing.Living a 100k lifestyle when you make 1,000,000 a year income isn't a big deal but living a 75k lifestyle on 100k income will not get you very far.

When I sell to buyers, they make their checks out to me personally.I formed an LLC today (today is the Effective Formation Date) and I notified all my buyers to begin making their checks to me payable to my LLC (instead of me personally).However, what is the proper thing to do with those checks my buyers *already* wrote a couple weeks ago (that are currently in the mail on their way to me) that have been endorsed to me personally? 

Tell us exactly what you're trying to achieve financially, lifestyle wise, business wise, etc, etc, then it's easier for us to tell you based on our experience if investing locally or out of state makes sense. 

This document is all about how UDAP (Unfair and Deceptive Acts and Practices) is actually not properly enforced in most states. 

Narrow paths encumber carriages and wheelchairs, and properly cleared pathways ensure flow and safety of pedestrian traffic.Remove ice to bare pavement or make as level as possible and treat with sand, sawdust or similar material.Please clear any snow that may be blocking a handicapped ramp, fire hydrant or catch basin.DON'T: Shovel or plow snow into the street: Violators caught shoveling snow from private property into the street will be fined.Overexert while shoveling: Excessive strain from the cold and hard labor may cause heart attacks.

The only difference is being able to gauge market conditions/trends so that you are able to make the proper business decisions.  

They will provide you with the proper signage and explain to you what they can and can not do. 

We could not inspect my current property that I bought through them properly (with a licensed home inspector) until the contract was ratified. 

Later find out that Premium Title did not send the proper fee.Here we go again, back to India.