I worked oil rigs a lot during the summer while going to college, pulling double shifts every chance I got, and working as a water hauler on off shifts. 

I believe shifting your mindset will be key for you. 

We are still locked at a cheap rate for a few more years, but we're already starting to plan for the refinance in light of the huge shift in rates (which hopefully will be a little cheaper by then!).  

Couldn't make it because I work evening shift.

Can one take any of them at face value or is this auctioning business the banks are doing just some way of shifting the bank's resources for some derivative or something?

I see hosts all the time advertising their 4 or 5 bedrooms and the comments are almost always 'I don't want to share with that many people, especially if we're all working different shifts.' 

Pinnacle had also informed investors of plans to shift operations to other cities under a new name.

I pulled the old shelves, rolled the back and side walls, put in the new shelves and went home.The next day she calls my partner (she really didn't like calling me, he was a comparitive pushover) and said the pantry was still nasty.He said he'd come over that night but postponed it because I was out of town, so we shifted it to the next night.

I think we will see a major shift away from the standard 6% commission we see today, mainly because with all the resources and information available today, people are realizing that selling a house yourself isn't all that complicated.  

And you have cash in your pocket each shift. 3) Home Depot/Lowes...