But there's also the practical matter of right vs. legally enforceable vs. cost-effectively legally enforceable.  

Polaris is a good start but their fee structure is not granular enough to be cost effective on an ongoing basis. 

If the interest you pay on the loan is being paid to you, it seems there is an effective and totally legal way to contribute more than the yearly max after the interest in taken into consideration. 

While she reads that, I have 9 other books, ranging from The E-myth to Pitch Anything, to The Snowball and 7 Habits of highly effective people.

In effect that would mean a letter to the HOA property manager seeking enforcement of whatever of the rules or declarations make sense in terms of disturbing levels of smoke.

These very different industries do not move in lock step, nor are they effected by the same macroeconomic factors. 

she will slowly begin to understand and you are effectively teaching her at the same time ;)Eventually that relationship will grow into her learning and teaching you things you might not know or have forgotten and you start to work together as a team rather than just her applauding you in the background.Hope that helps!

Is cold calling still effective??

If they're sharp they'll give you cost-effective advice that will enable a quicker sell (I always have doubts about more money).

I'm effectively buying a house for a lot cheaper than I would be able to get it otherwise and I already locked in the purchase price after X years.