Both scenarios would be taxed the same, short term capital gain is your effective tax rate.Mike

This is probably time to mention that I am telling you to be aware that there are many blood-suckers on the Internet and just be aware of their intent and they know how to sell based on emotion to sell things you do not really need and real estate brings in a bunch of money from beginners that have not learned yet to be aware of them.I do think that technology has much to do with effective marketing and sales.  

So  her total effective finance charges for the balance of the mortgage is actually [ 3.625% + 0.85% = 4.475% ].Now that we know her actual interest rate, we can plug it into our formula.( [ 4.475% * $314k ] + [ 8% * $14k ] ) / $328k = 4.625%.So, 4.625% is the target to beat.

A recommendation is just that, a recommendation for convenience or cost effectiveness.

Because the Shingles will soon be reaching the end of their effective useful life of 20 years.

If you can't effectively communicate your parameters it will be hard for those service providers to truly be a resource and partner for you.

Just relying solely on bank statements isn't as effective as a receipt because a bank statement just tells you how much you spent at a location.

It is much more effective (but also more expensive). 

Interesting article recently published by city observatory (cityobservatory.org, "getting to critical mass in Detroit") suggesting that successful development in Detroit needs to achieve critical mass in a few locations because there are positive spillover effects for surrounding neighbourhoods.

Therefore, the effects of failure are much more permanent.So!