If you get the umbrella policy through the same company as your personal, auto and landlord policy, odds are good the umbrella policy covers everything.

Set up auto-drafts that cover the amount the max contribution will increase each year, whenever the gov't allows the increase. 

You have the ability to auto-request applications (keeps everything easy and in one place - so listing, tenant screening applications, leases and other tools like rent collection and maintenance tracking are all available, just to keep the process seamless).

On average, must people get auto loans at 5 years for vehicles $25K+ at a way lower interest rate (about same 3K down payment). 

There are many scoring versions available to the various types of lenders (auto, mortgage, credit card companies) and the scores vary by version.

My family and I have bought and sold without a website and an auto responder.

I'm not referring to the basics that everybody already knows (i.e. get auto letter, submit, get short sale package, submit) I'm referring to things like when to do the repair estimate.

Once they did sign up, the program was pretty much on auto pilot while we was out going to OTHER guru's seminars.

Once interest rates increase and the cyclicals like housing, autos, and transportation starts to decline that's when you should take some profits and run into a new venture..............REAL ESTATE INVESTING

Also, check out their incredible auto refinance loans, which are being offered for 72 months at an amazing fixed rate of 1.75%, a rate which can't be beat, and on top of such a good rate they give customers a $200 bonus for taking out a car loan.