The most it can go up a year from now is +2%, putting us at 5% for 2012 which isn't all that high either.For now I'm just hawking the rates and keeping an itchy finger on the refi trigger.

The adhesive sets pretty quick, but its kind of hard to spread (takes way more muscle than anticipated, but once you start, you have no choice but to hustle but because it will dry on you).

Also in Southern California it looks like REOs have dried up..it used to be you could find tons of fixer REOs , but now it doesn't seem like you can find many anymore.

I have been an excellent customer to my local gas stations, my local grocery stores, my local dry cleaners, etc....

I am reading these posts to my wife and can not even get the words out I am laughing so hard.Rob, dude, I love that dry humor!

If this just started and the downstairs resident noticed quickly, it may just dry out and be OK.

In their bedroom closet, they piled up a bunch of wet clothes, then piled more, dry clothes on top.

(Don't remember which one, but my curiosity was triggered by Buffett's investment in ConocoPhillips.)

The letters are also quite entertaining given the dry material.

There are many others that have been were you are at today.I'm glad that you are building a nest egg to invest with, it will make it easier when it comes time to pull the trigger on potential investments that you find.Look forward to learning more about you.