I'm more inclined to come down on the side of keeping it, purely because it's a small fry debt that currently earns you 18.6% net, not including future appreciation.

Community property laws generally make all property acquired during marriage and all money earned during marriage joint property/money.

I work full time at QuikTrip and am working towards earning a business degree as a full time student.

After reading about the requirements for earning this license, I'm still a little confused about the requirement to be sponsored by a licensed designated broker.If I am working alone, not joining a firm, does that mean I need to form a legal entity and then file to endorse myself as the firm's designated broker?

Until then, I consider the application incomplete.Think of this as a $100 lesson.There are also plenty of online background/credit check services where you can set up the request to the applicant and they pay right there online, so nothing out of your pocket.

There are some carriers that the premium is fully earned and others that allow for a return of premium if the policy is cancelled sooner.  

There is a course that I am thinking to enroll in, for earning a designation for residential management.

If you are not a STEM major or you have a lower income earning potential, then you have to be even more careful as you do not have a lot of room for error. 

I think it's perfectly fine to ask someone for a second opinion especial if the person your working with is not a specialist in the field.There are a lot of folks like you that come to me that been with accountants for a long time but their life changes or they start earning more or doing things differently that effect taxes and those are times you want to find someone who specializes in your field. 

Hence, it's taking longer for bigger developers to bring their juicy projects online.