Other employees are hourly.

ALL of our other creditor's decided that we were now a risk, and JACKED UP OUR APR'S from what was a decent 5%-10% at the most, current (then) APR, to upwards of 25%-29% on ALL of our cards....You do the math....along with that..some of our creditors even REDUCED OUR LINES OF CREDIT...further making it IMPOSSIBLE to refinance a current property to fund another deal, THEN THE MARKET WENT SOUTH...and REAL TROUBLE CAME that wasn't due to my negligence, but was due to a MARKET on Wall Street that had gone CRAZY...due to their own internal greed, etc....It's sooo hard to judge the masses, when your living above the clouds, to even mind or care to listen even, to the finest of details that occur in most of the lives of us little people, below the clouds.Luck will have nothing to do with me getting my family out of this mess, but my faith in God, and my hope in that most people are good and decent, and willing to help, will.Tom K., I hope, sincerely, that you never have to go through what most of my clients and family and friends are going through (who are responsible individuals becoming the scape goats in this society of late)...but if you do, God forbit, I truely hopt that you will have a network of friends and family that will not judge you, and some folks do, and will support you, and hopefully, you'll know a banker/investor/broker, someone...who will at least give you the time of day, to listen to your "story".

One of the bigger organizations that is promoting mixed-use is the International Council of Shopping Centers (icsc.org).

If the county employees don't help you, you can always pay a title searcher there to do it for you.

Here's the rub, unfortunately, no amount of internal desire to help and want to give back can overcome human nature.

You have to figure out each employee individually.

Advantages:I know and like Bill (my prospective partner) He owns his own landscaping business and has a few employees that make for a ready source of labor when we need it.It is also good to know that somebody with some skin in the game is around while the other is not (vacations, work, etc) I would prefer this over hiring outsiders to handle things.We are both looking long term.

You must include your last name, loan # and send the fax attention to myself with my Employee Number which is: HD77401 and mention the location of Tucson, AZ.

A TRUE mentor will take you on as sort of an employee with a non-compete contract for XXX amount of time and HE pays you during that period.

Existing 401k/Employee Stock Purchase Contributions - For almost the past 5 years I have been investing 15% of my pre tax income in a 401k plan and my company matches at 6%.