Now subtract your debt (1150*12 = 13800) so 15120-13800 = 1320/yr.The calculations go on, but in short you are going through all your effort to earn 1320/yr.

Most refunds are due to earned income credit, child tax credits, exemptions, etc.  

The interest rates in general are higher there cause you can still put money in a savings account and earn 5% unlike here. 

Its a commissioned sales job that required you invest significant time, money and effort to have a CHANCE of earning a paycheck. 

I run my own B2B photography business, and am looking for new ways to invest my hard earned!

Earn their trust or 2.

I now utilize debt when I have a substantial spread between what I can conservatively earn on an investment vs what I can borrow the money from a lending institution.  

Not all their personal tax information, but earning reported to the IRS.Nancy Neville

Do +/-1 bedroom, etc.....Come up with a After Repair Value you think makes since.B) subtract the amount you want to earn in equity (10k, 20%, etc...). 

Equity is often gained through negotiations and circumstances that allow a saavy investor to earn that instant equity at purchase, no matter if it is an REo, short sale, probate, or standard sale.In today's competitive market, REO properties can offer some deals, but you have to hunt them, negotiate them, and earn them, they are often not the low hanging fruit they were in 2009.