It is usually better to pay equity to yourself instead of to your landlord. 

They usually won't give much but it's better than a kick in the teeth.

.: https://www.irs.gov/businesses/small-businesses-se...and you can get an llc formation book/ binder ( usually i get the 1st one - #6) here: https://www.mburrkeim.com/outfits/compact.htm

It's come time for me to sort out my insurance and I thought I could set it up on monthly payments and this might be a good way to help me start building a credit rating, but it seems that in general, insurance companies won't report to credit agencies unless it's negative. 

As usual, she said they wouldn't be there, and I should only talk to her through her attorney. 

@Will Kaufmann As a fellow attorney, you already know that attorneys usually don't work for free and they have bills to pay and they need to eat.

The conversation usually doesn't go much further than that ...

I would still have a % for CapX of AT LEAST 5%, though I usually go 10% for CapX.

I usually find appliances a couple of years old for dirt cheep, far less expensive than repairing major parts.

If it's husband and wife in a community property state, I usually list the first SSN that's on their joint tax return.If you use the IRS website to obtain the EIN, it walks you through this.https://sa2.www4.irs.gov/modiein/individual/index.jsp