Attended U Lowell for 1 year before moving to WPI in Worcester.It has been a long time since I last visited Lowell so my information is dated.

We have ATT for our internet and phone, but they ran a wireless phone system called U-verse.

As long as u buy a house in Philly they will do it.

By the way, she let a toilet leaks go u reported until I had to replace the floor.

Quick f/u: I read your response and it does make sense.

I'm not sure but what U do know is it's the 1st of the year and a perfect time to get a handle on things.

U can mitigate this with a property that has substantial equity.Also your rate of return should be adjusted for the added risk.. interest on secondstend to be 15 to 25%  in the market place.

So income needs to be reported, full stop. and not sure where u are coming up with the taxes taking half?

Tax sales in CA wipe out everything but IRS liens and the IRS just has a few short months to redeem and pay U interest  they never redeem..

Timber ground in the right areas is a great hedge.. like in the Northwest proper timberland will grow at the rate of a 10 to 14% annual return.and talk about passive.. although there are things U can do to improve your timber ground and timber.. pre commercial thinning make sure animals are not scaring the timber etc etc..