I'm heading to the ISS World Expo conference in Vegas next week.

And in fact all payments made are considered principal.There is no defense for breaking Usury laws its a slam dunk for the person who owes the money and a tough lesson for any lender..

Get a $5 Million umbrella policy, it will cost less than $500 a year, and don't do anything to get sued (don't have a handy man do electrical work, do respond if a tenant calls with a problem that could cause injury)Obviously a jury could award more than $5 Million in a suit, but to be honest, if you aren't doing anything wrong (you hide the fact that there was a gas leak, etc), chances of getting a verdict over that amount is very, very small, and the insurance company will pay for your defense (unless you hid that leaking gas pipe and 5 people were killed, then they will pay the $5 Million and tell you good luck)

Are you coming to the conference this weekend?

I probably put too much time and money into this one, but in my defense, it needed a lot of work.

I had the conference call with Home Union today and what I was told is that when you are interested in a property you need to send them a mortgage pre-qualification letter and let them know the maximum amount you are willing to purchase the property for and then you will execute a limited power of attorney and negotiate on your behalf.  

That said, your next step must be to learn "financial self-defense" by gaining a solid understanding of, as you say, "what a good deal is."

This knowledge has empowered me to initiate with Redfin to save some on commissions but at the same time I am just trying to crosscheck I am not doing anything rash out of over conference as I am having a hard time realizing what could go wrong vs a realtor.

Would you have time for a conference call with my partner?

Not really a conspiracy but the author of Hunt for Red October got the story of submarines so accurate that the department of defense investigated him thinking he was a spy.or#88.