I just opened a HELOC on my primary residence, so getting access to cash right now isn't the highest priority.All very good food for thought.Steven

Here in PA the number one industry is farming and I don't see that changing as long as people are still eating real food.  

This is kind of like asking if you should add salt to the food. 

Spend the money he is trying to save them on a monthly food budget or something they need.

Or just create a master file in excel and highlight who called you.As for the YL, stick to the normal letter (attached the photo).

Dear BP members,I read above article this evening posted by Tom O'Grady , a member under a group that I subscribe to and I believe that this is very intuitive and a must-read by all investors.One of the highlights is the recovery of the housing market  in the US and that in 2014, "San Francisco and San Rafael, CA as well as Seattle, WA were each featured in the top ten for six months of the year.

I ask them to include their favorite food/color/football team.  

The first two ads (usually highlighted in a light color) and the entire list on the right are paying to be there.

I’ll admit that I’m still learning about QuickBooks Online, so I can be missing things.This comparison list also doesn’t highlight other aspects that are different between the two products.

I am also going to cut back my eating out so my total food bill per month should be around $400 for me.