There is a good balance here to find, and I think it is you pay a little more for a quality product that last longer but you don't pay more for a fancier product that wont last longer (if that makes sense.)

You have little control over this, this is mostly about speculation regarding things like what the new Richmond ferry project, etc, might do.Paying down the mortgage balance."

My credit cards usually offer the opportunity to transfer balances or take cash advances with 0% APR for 12-18 months for a one-time fee of 1-3% depending on the current offer.

Interest is computed on the outstanding balance.

MA landlord laws and climate are so challenging that I would think that would tip the balance for buy and hold in favor of RI.

Checks and balances, have my core 4 check each other.

Is there still a balance on the items sent to collections?

That experience of having to balance work and school helped shape me into a frugal person and understand the value of the dollar.

There has to be some balance, some enjoyment of life, and of course on the other side, some future thinking as well.

@Joe Rinderknecht  If your remaining balance is 160k, and the appraisal came in at 210k, your LTV is over 76%.