I'm grateful for that and hope that J, my partners, and I can do enough business to eventually earn the credentials and skill to allow those members to start sharing some of their private financing funds as well ; ]

Your tax deductions/tax shelters through real estate are the means to keep more of what you earn.

I see it like this:Rent: $3700/monthExpenses: $1665/month (reduced to 45% because you said the $3700 is after expenses)NOI: $2035Desired cash flow: $300Max payment: $1735Max loan: $260,784Rehab: $50,000Max price: $210,784So, your $230 price seems a little high to me.50% does include vacancies, taxes and insurance.Rehab costs are part of your acquisition cost.Yes, you will still be at 50% even after the rehab.

It's common sense that people in their peak earning years are buying the most stock and dramatically fewer peak earners will mean lower stock prices.

Inflation can spur home sales because households are looking for an inflation-proof place to park their assets.But rising interest rates can also reduce consumer's home-buying power, undermining prices.

In addition, isn't it nice to earn yourself a commission?

If you had a loss, your personal income taxes will be reduced.

Why was the price reduced before they agreed to my offer?

"Given the current economic and business environment — and to further align our interests with those of our shareholders — we are making some difficult decisions to reduce or eliminate programs that do not directly impact our ability to serve our clients, customers and communities," Bank of America spokeswoman Kelly Sapp said in an e-mail.

I would argue that discussing the "I've got a secret" gibberish is very valuable to any newbie that is thinking of giving their hard-earned money to someone who won't even discuss what they are teaching.Mike