A mortgage in my book consists of P&I, nothing more - ever.

Rich, you consistently provide the topic for spirited interaction.

My question was what everyone thinks a good deal consists of these days.

But we are getting to be more consistent and that number should exceed 30% before the end of 2010.

You have to send out tons of postcards and do it very consistently month after month to get good results.

LOCAL.With all due respect to everyone, there is a large majority here who practice a business model consisting of deferred profits and neutral cash flow.

(When I say "I", I mean my team, which consists of my retired father and law and his friends.

We actually pay very little interest on the LOC because it is calculated on the Average Daily Balance, which we keep high by putting income in immediately and paying bills right before they are due.It works if you are disciplined in your spending habits and have a consistent income. 

The developer knows what the intended development will consist of when complete.

To repeat what has already been said a thousand times "I can't believe how much information is on this website".My bill paying job is a Controls Specialist for a local automobile manufacturer.My investing experience has consisted primarily of car notes with a local buy here pay here lot.