But if the water heater is long in the tooth, replace it, even if it still works.

I've worked in sales and health insurance industries.

After listening to a podcast about tax notes this morning, and walking my own neighborhood daily for the last 3 months (for my health, not necessarily "walking for dollars") I decided to look up the tax records on a house that I know needs some work and is visibly in distress. 

Our economy is strong, being a very health care center economy, and over 50% of our residents are renters.

This was done after I sent 2 rent withholding notification letters and sought temporary housing elsewhere until the landlord repaired or remedied ongoing habitability, health and safety violations.

You can always reduce your income (AGI) by contributing more to a 401K plan or Health saving plans and many other umbrella's available to you. 

Health and safety issues, fire protection, and a host of other conditions should be evaluated at the time you remodel or rehab, especially if you're purchasing. 3.

Here too, the timing isn't right to make an investment.  

Find out about the financial health of the HOA as well so you don't get hit with unexpected special assessments for community repairs.

A strong partner can be the difference between success and failure, and more importantly, has a monumental impact on your mental health.