I live in a family home near my university where there is a constant stream of students.

Free courses from Yale, University of Michigan, and others.

I would say for me I am more likely to agree to a meeting with a warm introduction from a mutual friend or client and occasionally a common background affinity item (same college for instance).

I want to be warm or cool at an appropriate level. 

This was primarily because of the think, "sweet" smell combing from a scented-oil warming that was going in the living room when we arrived.

Sometimes, somethings are not meant to be and the universal is screaming at us! 

Thank you all for your warm welcome and offers of support, it is greatly appreciated.

Is the rule about staying one year after a refinance universal, or do some lenders not have that caveat? 

Even if I broke even or lost money, it's still education you can't buy out of a university. 

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