Front load fees, redemption fees, 12B-1 fees, turnovers, expense ratios, are pushed down the throats of our people in order to pay bonuses and kickbacks to mangers and consultants.    

Bonus!  

Where in the phase out spectrum I fall changes year to year based on bonuses and overtime and I'd like to know how to count in rental income (when I purchase a property later this year) for planning whether or not I can use a ROTH.  

None of my family is much in on the RE game yet, but I just gave my handyman enough for a  downpayment on a house as a small bonus (along with my 100oz silver bar).

Along with the other advise on the post add the high taxes and bonus foundation issues.Good LuckVivek

An added bonus is I can run quarterly or yearly checks on each property to see how it's performing.

Churning, in the basic sense, is the action of repeatedly signing up for the same credit card bonuses in return paying for, generally, one of three categories: airfare, hotel expenses, and cash back.

Here are some common reasons why the estimated charges in your Loan Estimate might increase:You decide to change the kind of loan, for example moving from an adjustable-rate to a fixed-rate loanYou decide to reduce the amount of your down paymentThe appraisal on the home you want to buy came in lower than expectedYou took out a new loan or missed a payment on another loan, and your credit score has changedYour lender could not verify your overtime, bonus, or other incomeThe interest rate on your loan was not locked, and locking the rate caused the points or lender credits to changeIf your lender gives you a revised Loan Estimate, you should look it over to see what has changed”.

Anything I get is a nice little bonus.

And the added bonus is that the tenants who think this way are the best tenants - they are the most ambitious and disciplined and want the same for their children.