That way they cut down on the "wannabees" who will consume tons of time but will never make an offer.

Anything related to negotiating and team building.Psych would be good as Ron suggests.Trouble is, what the schools teach on finance is all about being a consumer and/or conventional investing.

All tenants receive a bound handbook, "day 1" gift basket (with plastic ware, paper plates, etc.) and $15 pizza gift card upon move in.

Good debt:Primary residenceEducation -- trade schools, colleges, universities (with caveats)Business entrepreneurshipNecessary home repairsTransportationBad debt:"Bling"/consumer items/most luxury itemsMy $0.04

In the end, all of this was time consuming and we ended up taking the house to the wire – even with a 15 day extension.  

Search may be a little more time consuming as well depending on county's site format.Perform a BP search for agents in your farm area.

Essentially, counter tops are consumables.

However it hasn't been listed in the consumer world and I haven't caught them in person to ask. 1.)

Depending on what you're complete financing picture is like (other consumer debt?)

It seems more prudent (and time consuming) to estimate actual costs based on the ages and condition of everything.