For most of my adult life I've been the typical slacker always avoiding stress and while I had no stress in my life or very little.

As @Betty T. said, SE Raleigh.

You took action and are now ready to give this purchase a face lift coupled your stamp from a design perspective.Now, the stress is over and it becomes easier as you do more transactions.

What I recommend stressing it that if she borrows 100k from the equity in her house, she'll be charged a certain percentage, say 4% for 15 years (comes out to $740 a month in this case).

Have you thought about just giving them internet for free ( that is a fixed price it won"t change that much)If you are planning to include everything, i think it is best if you set a limit for them.

Thinking back, that's probably why our daughter H-A-T-E-S renovations!!

You can check on the well know scammers on a site had by John T.

(You know what they say, Wish in one hand, sh*t in the other, see which hand fills up first).Here's to new friends, new opportunities, and new heights in life!

@Larry T.       

Welcome, and I hope everyone is taking the time to enjoy this time of year and think about why we do what we do and not allow it to be another cause of stress in our busy lives.