I am definitely more gifted in creating systems.

I use there 24 months same as cash coupons on purchases over $2,000 and buy what I need and then spend the rest of the $2,000 on gift cards to be used in the near future.

You investing in an index fund or the stock market gives you no more or less power than a three year old who received gifted shares for Christmas.

aka Account ClosedThere is no one answer for what is going on in your head but I do have a couple different associates in Chicago that had similar questions and concerns during reflection of their lives and they both went on to become very philanthropic.

If you send "year end gifts" to your tenants, you are not a real estate investor, you are Santa Claus.8.

In this case, what I would do is just give the tenant a Christmas gift and give them free rent for the last two weeks of Dec AS LONG AS she can get utilities on and pay her deposit.

Unless you have a vision of making a huge impact in society of giving this money away to good philanthropic causes, helping the poor, orphanages, and building churches.

See if Billy Graham will take it off your hands;http://billygraham.org/give/other-ways-to-give/gift-planning/ways-to-give/

Also with FHA you can get a gift from family for the down payment 3.5% without nothing down and FHA is more forgiving on credit issues.After June many people will be using conventional.

In light of those facts, 50 cents on the dollar would be a gift for this note, regardless of what anyone else tells you.