Set it so that the hot water temperature is slightly below or at 120 degrees Fahrenheit; if the temperature is higher than that initially, you may have to empty the tank a bit for the heater to kick in again as you are making adjustments.

My first response is that you should be in a good situation in FL, given the degree to which the state regulates community association managers.  

When I got my Master's degree I did not need much in the way of student loans but I knew I wanted to invest once it was complete.

There are a couple of other guys I listen to a couple other people but they are not into real estate but also have interesting things to say.The bulk of my business was into the constrict business even after I had a degree from a college.  

I hold a Pre-Law Degree (History Major/Political Science Minor).

.* Currently in the middle of selling a SFH using a 1031 Exchange into a 4 unit property I am also taking a  college classes for a business degree.I find that a "Business" Degree isn't doing it for me and feel that I should focus my attention on internet marketing, and marketing in general.I feel that marketing can go hand in hand with my current business and my Real Estate business or if I decide to start any new streams of income to provide passive income I can do that too, or freelance  as a business, or work for a company.

Saint John, and to a lesser degree, Moncton, share that trait as well.  

Originally posted by @Craig ODonnell:Look into Heat Pumps they provide both Heat and A/C and in most cases have favorable rebates New units can be installed in attic and ducted similar to standard A/C Fujitsu has units that will work in the northeast http://www.fujitsugeneral.com/Heat pumps typically need a second heat source as they become inefficient or don't work at certain low temp like 25 - 30 degrees (varies per mfr).   

I attend Texas State University and I'm working toward my construction science management degree (slowly but surely working towards the degree).

I am sure my situation isn't all that unique to me, but I am debating whether right now is a good time to start investing or if I should wait until I finish my BSEE degree fall of 2020.