The triple-glazed version also provided us with more options for exposure specific glazings which allowed us to increase the solar performance of windows where it made sense.While it was possible to calculate a payback of ~4 years based on the difference in energy efficiency ratings between the two windows, it will be hard to measure this delta given the other measures taken to improve the building envelope.You are correct, that given current energy costs, the additional $35/window likely cannot be justified on a 1-5yr payback.

However, people would likely renege on the contracts and the time delta between a judgment and collection could also sap the trading power of the judgment you could collect.There would be severe distrust during these periods and barter would be rampant.

I met the Delta rep in the store one time, and he convinced me to go with a higher grade faucet that's meant to last longer- look for the DST in the item #, the most economical ones in that higher grade group are about $80 but look nice and will last! 

There's one hot line and one cold line behind the wall and that's it.This is what a Delta MultiChoice, perhaps the most common shower behind-the-wall rough-in valve used today, looks like in a copper shower setup. with lines running down from above and air chambers to mitigate water hammer.

Simultaneously I was reading about the business model of insurance companies (not sure why), from what I understand, An insurance company will charge monthly premiums from customers (using some mathematical model involving risk quantification to determine a premium) and make payouts to legitimate claims, Ideally there is a positive delta between the total premiums charged and the sum of all the claims paid out, That is the company’s profit.

At any given period of time, your actual expenses may exceed 50% of revenue, but as a buy and hold landlord, we don't do acquisition analysis in small deltas of time.

Once the borrower defaults and the property goes REO, I'd expect the bank just writes-off the mortgage value and writes-in the current appraised market value (the delta is them truing up their financial position for stockholders).  

We use 3-piece (tub, sidewall, roof) tubs (Maxx, Mirolene) in all our student housing ... along with a Delta, low-flow shower kit (1.5 gpm, but you cannot tell the difference between it and the 2.5 gpm version).Students are not attentive enough to cleaning for tile ... your grout will be farming before the academic year is up.

Account Closed  one last word on this .. then I have to go pack as I head off to my east coast markets.I ran into a group 6 indivduals that drank this cool laid of paying market for properties so seller would sell to them sub too.. save them commission just like you stated.so they then lease optioned or sold on contract the homes once they title to them.. well the homes had little to no equity. but hey would make about 200 on the delta between what a sub prime borrower and the sellers mortgage all in was.well they did about 40 of these .. so it was going good making 8k a month.. but then the first one failed.. renter or buyer quit paying.. then the next one then the next one.. to the point they were negative cash flow.. and since they never really made any money on the homes and they were not very well capitalize to begin with .. it only took about 6 months and they were in trouble. they could not pay the senior debt.. so they start defaulting..  

Today, you and I would just hop over the Atlantic via Delta coach class and get there with far less risk (though admittedly with less comfort)...easy peasy!