I traded in a 325ci to get the truck and while the Beemer put a smile on my face for the first 6 months (I was 19 when I bought it and thought I was hot stuff LOL), the truck still makes me smile 3 1/2 years later.  

I can already see the personal injury attorney smiling when he hears that the tenant fell off the ladder because he was required to maintain the gutters.

In order for it to be a healthy relationship for both parties, each party has to make sense.  

Working as much as possible and still maintaining a healthy balance of exercise and family is key for me.

Any regulator type auditor will be all business up front to establish the tone of the examination, like you're in for it, sortta, if you are all smiles and friendly the one audited won't be as forthcomming with a sence of ugency and be as seriously involved, get thier attention.

I try to keep a good and healthy relationship with them.

I continue to invest for the long-term in real estate, stocks, and businesses, with a healthy cash cushion.

Even if the valley's young people go off to college thinking they will never move back home.. if they see a job offered near their existing family, they are 1000 more likely to be willing to move back home rather than move to work in another city they never been to before  The land is very cheap, labor is even cheaper, and rents prices are healthy.

And I am indeed giving my family very healthy ensured profits (something like a 28% ROI year-over-year?)

If the policy doesn’t pay dividends, I’d roll the cash value into a better served rolled if you’re still healthy because it will grow faster.