Most of it is due to the way FICO weights various credit history points vs. the way Credit Karma does it.When you are shopping for a mortgage, the lenders know that and ignore it on the credit history.

Therefore, I've decided to start up a personal finance workshop within my unit to teach young Airmen the concepts that society has not made readily available for them.While budgeting is a huge aspect of asset accumulation and debt reduction, I don't wish to spend a whole lot of time teaching adults how to budget their money.

So after my inspection I showed the seller the results and told him that I would like a price reduction of 10K which would have brought the price down to 70K (we were under contract for 80K).

Don't get me wrong I'm heavily weighted towards cash flowing hard assets, but that doesn't mean other types of assets are bad and only real estate is good. 

There are some "financial" criteria to a short sale but the heaviest weight is based on the offer and the value, then compared to the foreclosure and the value.

Of course, I still can't tell the difference in heat reduction even though it's a California Title 24, white roof that reflects heat.

I've been pretty busy finalizing things for my new job later this month, but to give you an update I'm currently working on refinancing and consolidating 3/4 of the private loans and its looking like I'm going to get a 1.5% rate reduction.

However, there are many ways to calculate return and some formulas do not include all recurring costs while others include principal reduction and other such unrealized gains.

The presence of an additional flooring layer should not matter unless the weight puts you over the bearing ability of your floor system. 

I also have 2 vacation rentals in Nashville market and have also been researching other markets to invest in a short term rental property.The concern I have with becoming too heavily weighted in Nashville (or any market) is the change in regulation.