With the single digit temps we were experiencing, the hole in the brick let the pipes freeze in an occupied and heated 70* unit.

Again, run the numbers specific to your situation, but also ask yourself if you are OK with a small negative after understanding the effect on your taxes and the amount of principal reduction on your loan that is occurring.On my comment on appreciation in my last paragraph, I believe that the idea of appreciation based on price increases in real estate assets over time is commonly misunderstood in the sense that many think in terms of our currency as a fixed medium against which all other assets are measured.

I'm one of those crazy people that think peoples character and integrity come down to more than a 3 digit number, and trust my instincts.

I am able to connect with them very easily through digital means.

Based on the terms of the project that Investor will then receive additional interest bonus to earn double digits receiving the principal back at the end of year 5 or before if she chooses to end the investment.  

It is robust, can use a real database back end and, at the time, had better multi-currency and international support than QuickBooks or Simply Accounting.  

Landlord locks since we learned of them a few months ago since rentals are getting into the double digits and a master key would be more handy.

I can certainly see them hitting high single digits at some point in the not-too-distant future.

Transition to digital is hard, even for those of us who grew up through the revolution.

There are numerous ways to do this; some examples: social security card, income tax return, annual social security earnings letter, pay stubs (sometimes, and sometimes only last 4 digits).I prefer lower credit scores because I think tenants with lower scores will be tenants longer rather than becoming owners.Then there is this:http://www.consumersunion.org/pub/core_financial_services/004801.html