Plus, a major point being it is not an efficient system for keeping others out, making it very easy for other neighborhood's kids, owners' friends, etc., to use our pool all summer without signing appropriate waivers and paying the guest fees involved to help alleviate the cost of maintenance and lifeguard fees just by handing a photo of yourself to the lifeguard early in the season.

Big debate I know, but easy enough for me to avoid.This link if it works should give you access to the entire packet.

One easy thing to do would be to request credit limit increases with your current card issuers, since that can lower your overall credit card utilization ratio (which is rated high in factoring your score) without opening new accounts.Here's some other tips from My Fico: http://www.myfico.com/crediteducation/improveyourscore.aspxOne last idea for you.

Real estate is fairly easy to estimate because there is so much information available.

Easy one.

Paying off the 12k lien money is easy, but how can I take possession of the property or title if the front line person of the trust is nowhere to be found.

That way you know you get the correct info, or at least it's pretty easy to figure out when they lie to you.

If you have a good credit history, securing a mortgage can be easy.

one less temptation for owner/landlord to seek "easy" tenancy3.

Challenge him to be very specific and don't let him off easy when he says "I just want a deal that makes sense and money."