K.Marie Poe I can only think of two deals that I can tie directly to my gift of Pencils to children who needed them.

This is my gift to BP community.

This Christmas don't wrap any gifts.

They have offered to sell this place and gift us a portion for downpayment.

He wrote to me for my mailing address as he said he wanted to send me a small gift.  

I just get hung up on all the intricate details after you finally locate a deal.

Could do 2-4 per year.6: Spotlight a Pro Member of the Month and have a quarterly spotlight (recognize them in a special highlight area) or prize (kindle, gift card, free trip to conference, IPad, etc) for most post or best input or something.7: Better Indexing of the Shared Files that would allow for Pro Members.

In fact, my HELOC balance has dropped down again and I was considering making another payment to the mortgage, but with holiday travel and gifts I'm going to hold off and do it in the spring.)Payoff date Jan 2024Projected interest savings $203,000The things I keep coming back to are not the interest rates and how I'm saving money over 30 years instead of 5 and all that, but the fact that $10,000 was COSTING me $20,000 in interest to pay in the old way and about $1200 in interest to pay in the new way and that all my income is going toward paying down the HELOC whereas just a portion of it was going toward paying down the mortgage.

All contracts, options, or other devices not based upon a substantial consideration, or that are otherwise employed to permit an unlicensed person to sell, lease, or let real estate, the beneficial title to which has not, in good faith, passed to such party for a substantial consideration, are hereby declared void and ineffective in all cases, suits, or proceedings had or taken under this chapter; however, this section shall not apply to irrevocable gifts, to unconditional contracts to purchase, or to options based upon a substantial consideration actually paid and not subject to any agreements to return or right of return reserved.

It's a rare gift.