We are finally getting to where we can get ahead and start to invest. 

If you want to rent to recently released drug addict or armed robber go ahead.

Finally, I write out my life’s major goals, one in the physical, one in the mental, and one in the spiritual.

Reporting is incredibly important, the benefit of saving a menial amount of money does not out weigh the cost of a head ache at the end of the year.  

From what it sounds like, both my friend and her parents won't have to worry about being taxed because of their lifetime exclusion, so she can go ahead and make the purchase?

I havent done the call ahead thing ...

Just a heads up ; when i tried using Pen Fed ,  they would not approve me  because i already had 3 loans out on different properties . 

I agree with Account Closed 21 years on a water heater is an amazing feat (I have a train A/C unit that's pushing 31 years that I'll be replacing this year) Water heaters aren't that expensive, I'd go ahead and replace it.  

Go ahead and vent, but then when your done you will realize this is not a big deal.  

One way to get ahead of the curve is an MLS alert.