But, like you, I'm not actually spending any reserves right now because of good W2 job. 

Hey Dino, nice job on the raise! 

Moderators aren't perfect but knowing most of them they are all trying to do a good job, and all moderators are volunteers.

Numerous times throughout the past few years, I've strongly considered taking the 90-hour course/exam to earn my license here in Indiana, but have heard mixed opinions from local agents on whether or not it would be feasible, beneficial, profitable, etc.I currently have a W2 job as Controller of a midsize beer wholesaler that I do not plan to leave any time soon.

It does and excellent job explain all the calculations the website does for you and more.

I have great credit and day job income and qualify for a disgustingly huge mortgage level, even without rents included so mortgages are not an issue for me.

I work a full-time schedule of 12-hr shifts, and my schedule is different every week and includes weekends, so there is no way I can take a classroom course without quitting my job.

The progress I've seen to date has bee positive (Costco, luxury apartment builds, bike share, park improvements) and the progress announced has been exciting (ferry, additional luxury complexes, trolly, commercial development for higher streets, warehouse jobs, connected parks).

Thank you for the awesome job you are doing and know that you are inspiring people all over the world!

I am not too sure where to post this but here it goes.My mother was recently laid off from her job of 37 years.