Wondering if anyone’s used Bitcoin/ cyber currency or has a creative use of gift cards, Amex points, etc to purchase goods or services for their property, or used a barter organization.

You quickly realize how the currency we all really want is more time (but smart/prudent use of money buys that time).  

As an ex-investor in Bitcoin, this “currency” seems like a viable vehicle to make international transfers, in any amount, quick and extremely cheap.

Government toyed with printing paper currency with no gold reserve and make money more available to encourage people to buy homes.I went to several major lenders and they already jumped on the bandwagon even before the December announcement having mortgage interest rates around 85 basis points higher and start charging points for some products.This study focuses on different loan programs popular in Silicon Valley, CA.Conforming loan (PITI-Santa Clara County, CA) vs required gross income For a conforming purchase loan of $417,000 for a 30 year fixed rate with 20% down $521.25K purchase priceThe monthly mortgage(PITI) w/o hoa due and annual income required is:- 3.8% $2,540 $78K-with an assumed 10K debt 2015- 4.3% $2,665 $81K 2016 Nov- 4.8% $2,785 $85K 2017 Mid year- 5.3% $2,925 $88K 2018?

And after that I need to change the currency with cost an additional fee.

Of course, there's the swings in value to be considered, as the inflow of foreign money looking for a safe parking spot has cooled off, the Venezualians who got their money out earlier were smart for sure, and the currency exchange rate has been going in the wrong direction.  

Hey @Dave Currence, what strategies were most successful for you in building your mailing list for upstate New York?

Currency savvy investors, what are your pain points when investing in a UK real estate with high rental demand (8-12% returns) ?

I love the country and its people, but it's still very much a developing nation, and living here is definitely riskier than in first world countries.Our local currency - the Rand - has taken quite a hit in recent years, and with the emergence of the Economic Freedom Fighters (a far left political party, who basically want to nationalise the economy), I reckon it's a good time to look at investment opportunities overseas and establish a bit of a safety net for our family.For now, I'm specifically interested in turn key investments.

@Dave Currence Thanks Dave!