However, the back-end controls were so bad and the HD management of their credit accounts so poor that we eventually ditched it... we now just issue Visa employee cards to our employees instead (with spending limits appropriate to position and that person's responsibility level)If you must deal with someone who is so disorganized that he can't predict costs, the two ways are either to get a HD account or do phone sales with emailed invoices.

The "guest bath" is a powder room in that case for when you have people over - party, football night, etc.

For the Texas Tech Red Raider football season, this is great as fewer hotel rooms exist than those seeking a weekend stay.

One way to predict future trends could be to use your zoning and permitting office.

Is there a website to find more predictive analytics for demographics on communities?

This up cycle will eventually end as well.I have seen some go from 5 million to 1 million in down turn and now back up to 2.5 or so recovering.On the commercial side my developer friends are playing out if the lease up rents are not as strong as predicted and the interest rates go up causing to have to sell for a higher cap then they will just convert construction to perm. and get down payment back and keep the cash flow until the cycle points to selling again.The development cycle and time is kind of like a game of chicken almost.

Also, many economists are predicting the Cdn dollar to actually fall further to $.70-.75 range, and may devalue your holdings in US dollar terms even more.  

While it's practically impossible to predict what a neighborhood or street will look like in 30 years certain areas obviously appear much better than others.

Joe i watch football games with one of the K9 officers and know a handful of officers.

Other than that, if they predict another 10% dip just make sure you buy at 40-50% discount to ride the storm out.