Still recovering from rotator cuff surgery, and my husband has a real job that needs his focus.

And, don't strain your arm patting yourself on the back.

Josh, Unfortunately I'm still stuck in a J.O.B. with 12 hour, rotating from days to nights shifts.

I keep 2 credit cards in rotation and 2 others that I don't use (balances paid but won't cancel).It's not difficult to build good credit and I don't fully get why people pay others to tell them this but I guess we all need different types of help.Lastly, it's tough but I try not to get caught in the trappings of keeping up with the Jones.

talking about putting a financial strain on the fed reserve.

Buy food in bulk and rotate.

I have a list of about 20k absentee owners that I rotate.

I rarely go anywhere without my iPod, and I'd really like to add a quality REI podcast or two to my rotation.

Quite a few investors have gotten themselves into some trouble by getting homeowners to deed their house over...they didn't have any ill will in mind..but some homeowners have been known to act irrational during times of financial strain...and they mention to somebody that they deeded their house away to some investor...could spell trouble.The option is much less threatening than the deed transfer...the seller doesn't lose ownership...and the option has just as much power if utilized.

I've heard that perhaps I should pick up 3 more credit cards or so, and rotate my purchases on each.