You cannot "replace" these contributions and any withdrawals on GAINS will face all penalties and taxes.

But despite all the challenges and hindrances put up in the risk-taking entrepreneur's path, the rest of us, we'll keep doing what we do, Lonnie deals and all, in our pursuit of the American dream.

I have a team for rehab as well as access to capital, quality leads has been my challenge.

Send mailers to people facing foreclosure 25.

Forclosure simply doesn't exists, since there was only 9 forclosure last year....A simple, basic SFR is over 2,000,000 USD and a good property in a good location is over 10,000,000 USD so It's completly out of reach for me and I'm looking at condos.For condos, the median price is 10000 CHF per square meter, to translate it's 1000 USD per sq ft and it's a median price, condos near the lake or in the city center are two or tree times more expensive.With theses prices, the 2% rules is completly impossible to obtain since the rent for a small condo of 300 sq ft is around 1500 USD (0.5%) per month and a 1000 sq ft condo is arround 4000 USD per month (0.4%).The only good thing is the interest rate who is incredibly low at 2.79% for 15 years for a fixed rate for exemple, another "strange" local particularity is that in Switzerland we don't really pay our mortages, ever : for fiscal reasons it's a lot more interesting to have a debt on our house so we pay a small interest rate and have a big tax reduction.Most of the experts agree that Geneva face a housing bubble, the problem is that 10 years ago they where saying that too and prices have rised by 100% since... and there is still a severe house shortage and very low credits costs so I don't really see how things could really change...I tried to look in other part of Switzerland, the price is lower but the rent goes down too so the ratio isn't really better...One possiblity would be to invest in France since the border is so close and the price theres are 40% lower and there is a lot of government helps for investors like 19% of your money back on a new house purchase if you keep a gov fixed (read low) rent for 9 years.What would you do in my situation ?

You have to develop the type of skin that is resilient and bounces back in the face of adversity each and every time.

Plus I am so ready for change and a challenge in my life.I am so happy I found this site, it really feels like a Godsend and confirmation that I am making the right choice and sacrifice.With this said I look forward to forming new bonds with great and knowledgeablepeople.

So far a personalized touch with my face sounds like the way to go.

Originally posted by Nichole Gabriel:I looked quite a bit, but the thread you mentioned had actual statistics comparing the two, Sorry Nichole, but the statistics given were pretty one sided and tend to fly in the face of most of the empirical data.

You might consider putting a profile pic on BP, members like it when they can put a post with a face.