I said people should be careful making decisions that limit future options without understand so, at least until we perfect time travel.Maybe some people DO want to give what you call a lottery gift, that's up to them.And I'm not aware of term that has a guaranteed purchase rider option, which my policy has, so I will forever have the option to increase my coverage at my option, but to the extent that term policy option affordably exists maybe it's a good option too.  

Thanks again'Sincerely, Ryan Stack a gift of equity on top of a seller credit for closing costs, make the nominal contract purchase price the top end of what it'll appraise for.

Is it customary for clients to get a closing gift for their agent? 

What is the best housewarming gift that you bring to your first meeting with a seller?

Here's a way to build credit while in college: many times on college campuses there are numerous credit card companies that offer guaranteed approvals or  get a free gift with immediate credit card approval.

@Jenny Duclair Not an impossible deal to do if the buyer can gift equity to you as the down payment.

He focuses on Delay claims and is gifted at boiling down complexity into a simple, visual set of facts.He has represented me several times and can speak to his talents directly. 

Most of my clients however have used their gifts to focus on other income streams that can, in turn help them buy income producing assets with me and on their own.My advice: keep your 100k liquid for now and focus on getting more business and/or financial education.

I don't buy used either.To save money on appliances, I usually buy discount gift cards online from Ebay or Cardcookie (best to buy them in January as people try to offload xmas gifts).

Buy them a small Christmas gift, move-in package, etc  5.