Biggest concerns are climate, cost of living, cost of buying a small condo or home being affordable, and the potential of starting a business.

Good question :-)I guess my main concern would be that the lending environment right now is making it really difficult to do deals unless you have a lot of available capital.

Is this something I should be concerned with.

I am not as concerned with appriciation as I am with the cash flow.

like vince i too am upset that i have been accused of shilling for a certain company. i googled them and found vince and vanessa''s post listed under this website. i joined this site today in order to interact with them. i can appreciate concern for shilling but i have said nothing positive abut them. i was hoping like vince to avoid being ripped off.

A few of the things that concern me are Obama's connections to outright Marxists and Joe Biden's prediciton that we will suffer an attack as soon as Obama takes office.

The letter will normally specifically state the method and matter of resolution by the lender.

Most countries/states have regulations in place that prevent mass messaging unless it's on an opt-in only basis with a clear method of unsubscribing from further communications.

What methods and techniques have been working for you this year?

This really cut down on their damages with this method.