By a combination of HSA contributions and Employee/Employer 401k contributions, our joint MAGI is low enough to qualify for premium tax credits.  

I am doing 250 sqft of new floors replacing carpet.I was thinking of going with this African inspired look.It's 1.89 floating vinyl from home depot.My concern is c+ renters expectations and taste.Here is linkhttp://www.homedepot.com/p/TrafficMASTER-Allure-6-in-x-36-in-African-Wood-Dark-Resilient-Vinyl-Plank-Flooring-24-sq-ft-Case-57111-0/202075777?

@Curt Davis Fideltiy bonds are usually for employers to insure against employee theft.. what these PM's have done is criminal and should be turned over to the cops the DA and if interstate the FBI

They may need to write up a new lease, schedule a signining, check for any changes with the tenants - such as change in employment, change in number of vehicles, tenants now are age 18 that need background check, etc.

I've actually had one take back the materials I had on site and disappear on me, in addition to the "startup money" I gave him.Anyway, hard to go after them if they have no assets and are self employed, which is usually the case with the theives.

I opt out of the self audit because last year, they charged me a fortune based on a worker who installed a lot of Allure flooring being lumped into the same category as a hardwood floor refinisher.I prefer to do an in office (my home) audit.

This allows pass-through (single taxation) of income, and *potentially* some savings on self-employment taxes on part of the income.

I'm also employed full time and was getting completely frustrated trying to get realtors to work around my schedule and I was working with four of them.

I do not employ the rehab crews, but instead I manage the process.

I have traveled to your area frequently in the past with my former employer and have always enjoyed it.