I'll get right to it.When the wind blows, it picks up the smell from a waste management location about 3-4 miles away.

But those letters wasted about 2 -3 months of a decision that could have been made.

Meaning when you are managing your manager, it feels like a lot more time wasted than when you are doing your own work actively managing your own property.  

That seems like a different kind of waste that you don't have with conventional bulbs.  

@Susan Herschell Chris is correct that this is not only dangerous for the lender but also could result in a waste of time and damage your credibility as a buyer in the eyes of the listing broker.

When that happens I want to be in a position to load up on the S&P when it's at fire sale prices.

That time frame, and without knowing how old you are or how financially secure you are without that money (i.e. if you lost it all), I would probably consider some type of blue-chip no-load mutual fund or a non-callable federal issue, both of which can probably get you about 3% or so without a whole lot of risk to principal. 

I wouldn't waste my time with a home warrenty..more likely than not, if there is a problem the backer of the Warranty will find a way not to pay for the issue

I am spending a lot on rent and it's a waste when I could pick up a 3 bedroom and rent out the other two rooms thus covering all expenses.

So is driving for dollars and direct marketing a waste of time for investors without all-cash?