Prime +0.75 for 90% LTV with no annual fees, no account opening fees or fees of any other kind except for early closing fees, if the account was closed within a year.

The guy I use in Illinois is exceptional, and has invested for 15+ years.

No one on this thread has except for Joseph. 

Examples-- Max out Roth IRA (currently $6k max) - Max out company 401k matching (or the equivalent of 401k) - Contribute to regular IRA (up to $13.5k)- Pay off all debts (except mortgage) What are some personal finance tips you always give to others and why?

The only common exception is when people happen to sell to someone they know.

When you couple that with a negatively appreciating asset that's something to ponder.If you actually lived in it for 2 years before moving out and it hasn't been a full three years since you moved out then you would qualify for all profit (except depreciation recapture) to be tax free. 

Most are frozen during the winter.I can't say much about the opportunities in northern Maine, except to say it's not exactly a hotbed of progress. 

Chase Bank wants to see $100K deposited somewhere except on a retirement account.

What the home sold for in 2011 is completely irrelevant to everyone except you.

Why should there be any correction in the housing market except for investors who are over leveraged and will have to unload properties as rental vacancies rise.