New home owner... maybe you are trying to sell them consumer items? 

Consumer confidence around here is improving, compelling many who were on the fence, able but not willing to commit, to buy.On the other hand, there's still a ton of shadow inventory in Michigan.

Short platting can be a little time consuming an will require an investment.

As a newbie in REI, I'm consuming as much knowledge as possible.

Hard money is not only expensive, it can be time consuming to justify to your lender that you're a good risk.

Missouri has reasonable usury laws- http://finance.mo.gov/consumers/usury_law.php and insured banks are exempt, any way (see link).

Both can be all in consuming.

It was only a secondary remedy, I believe the first suggestion I made using a combination of chemicals and cleaning with a scrub brush into the pipes is the best and easiest method, not to mention the least expensive and least time consuming.

If you ever read your cell phone contract or cable TV contract you'll see that the buyer or consumer can be at some real disadvantages in many instances.

And getting a signed contract can be very time consuming.