The value will purposely be biased low (but not ridiculously low to flag an audit), which MIL will be fully aware of, and we will all agree to it.- MIL gifts shares to my husband, myself, and our daughter up to the max value of $13K each, this year and 2013.

The extent to which they go through to get around paying rent and pay bills is a job in itself...ridiculous.

This is mostly because he got himself into an extremely bad deal and pays a ridiculous mortgage. 

I've addressed that ridiculous comparison in my posts before.

With these rock bottom interest rates as well as prices in alot of areas, not taking advantage of locking into a 30 yr fixed rate @ 3.75 - 4.0 on an investment property with othe peoples money is being foolish (just my opinion) it is ridiculously cheap to borrow money right now!

You claim that this is a discussion forum with no vitriol but your mockery and expression of ideas as if you have it all together is ridiculous. 

Heck, I have been doing this for 15 years and I am sure I ask questions that the pro's think are ridiculous, but I am still learning. 

You would each pay $45 up front and then just $9/mth, ridiculously cheap.

The upsells were obviously ridiculous.

Looking back at it now, it is absolutely ridiculous that I stressed so much about the fee to join Brad's program.