They have stringent testing over a broader range of financial products.

Testing is inexpensive, and is done with portable X-Ray Fluorescence machines (we use the Thermo Niton units).

We found our agent in TX by weeding out the flakey ones and testing the persistance of the one we ended up with.

I like the idea of becoming debt-free, but don't think I want to get so intensely focussed as to sell my truck (which we have 2 yrs left to pay on) or our used 5th-wheel that we just bought & haven't even taken a camping trip in yet.

Safer in the short term, WAY less management intensive than MF and there are some really good opportunities out there these days. 

@Matthew Wilson why not just sell one of your houses and test your theory? 

Colin Schleining I don't know any contractors for residential, we self perform our contracts (we do everything with our employees), we don't need subs unless it is a specialty, like asphalt paving, or something with machine intensive.

From a safety and liability standpoint, every old house has mold but it depends on whether it's at a dangerous level (air quality test).

The WSJ recently ran a piece about the lack of financial literacy in this country, Three question financial literacy test This test designed by professors at MIT and Wharton ask some very basic financial literacy questions (no they aren't trick questions) and only 44% of college graduates got all three right. 

A HUGE advantage of leak testing with air as opposed to water is that air doesn't make a mess and doesn't damage anything (unless you blow through the pipes at 120 PSI).