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.

Diet and exercise is another investment that is crucial for progress.

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

or are you referring to the UPB being 50% of original balance?

Looking for folks' understanding of "snowballing".From what I've found while Googling generally, it seems to be a hybrid of the "Debt Snowball" promoted by Dave Ramsey and "debt stacking" from Primerica in that it suggests to order debts by highest interest rate first, although the one with the highest rate may not be the highest outstanding balance.