Not fair: All 1800+ of mine were done the old fashioned way! 

Whole life insurance was somewhat of a poor decision but with only $140 coming out a month for it I am going to ride it out to have options for loans down the road.

ZG/Z can move on average ~2% any direction any given day but any blip in the news and it's an up-to 10% roller coater ride of up's n down's and again, not a big deal, just is how that trades.

We’ve been looking into the HML as well, but as long as the PML keeps going we’ll let it ride.

Owning here seems more like a fashion accessory than a living investment.East village is relatively hip and cheap, but you are stuck in the value trap.

(You don't get access to the credit card... you just ride their 'good credit' coattails to get an increase on your score). 

A band is 15% to 20% as Larry mentioned . . . . a lot is riding on interest rates and that needs to hold the timeline firm or less . . . extend the time and you will lose.As far as selling, we do not pay a listing agent but use a flat fee broker that gets us the same visibility any agent will get us and ensure we have it priced right and photographed right. 

Here's what I do daily: - drink a liter of water with a scoop of wheatgrass as soon as I wake up (this helps me get ready for the day, wakes me up and hydrates me) - do some form of exercise - ride my bike around town, run, lift weights, play basketball, etc - read something - right now I'm reading a book on TED Talks to help me become a better public speaker - look at my vision board which is a big poster on my wall, the background on my phone and the background on my laptop (it would be impossible to miss it!) 

I have very fond memories of riding my bike to Gear Road for Ice Cream at Thrifty's. 

Set pool temp, lock system access in some fashion, charge extra above a certain temp.