Ned,Per my conversation with a customer service rep from the credit union, a Share Loan:- A loan based on account balance (shares)- Uses account funds as collateral for the loan - Funds in account become available as loan payments are made- Approval Not primarily based on credit since you're borrowing against your own money-low interest rate of 5%, up to 10 year termI plan to take out a share loan to pay for cosmetic renovations and pay the loan off once I refinance with a 30yr conventional mortgage.

In other words read all you can on the local laws and customs regarding the aforementioned topics.Good luck

In speaking with customer service at Click2Mail, I was told I can create an account and run my list through their service, but that it only tells me what addresses are no longer good, not what the updated address is.

We both have a background in marketing and customer service....I'm so happy to have found this site.

Here is the back story:I met with a developer this last week who has a relatively run-down house on land he is planning to develop (would need to gut kitchen, and bathrooms, redo floors, paint, new roof, HVAC, landscaping, finish walk out basement).For context, it is a 16 acre parcel that he will likely divide into 3 plots (one being the lot with the house already on it) He develops higher end custom homes 400k +, and doesn’t really want to rehab this house, but sees the potential it holds.

And that is great since then we can make better decisions.A few tips if you're a landlord and owner:- properties are customers- tenants are jobs- use classes for properties- have a 'scratch' company file that you just use to play around with, then you don't worry as much when editing your real company file

One of my customers there wasn't excited about how the city is run.

Pursuant to the family resemblance test, the Second Circuit has devised a list of notes that it has decided are obviously not securities, such as notes delivered in consumer financing, secured by a mortgage on a home, secured by a lien on a small business, secured by an assignment of accounts receivable, evidencing a personal loan to a bank customer, or formalizing an’ open-account debt incurred in the ordinary course of business.

@K The guy is a builder and built the place in 1997 for a customer who backed out of the purchase.

Same thing for businesses where the clientele isn't a customer living in their house going there but a business crowd.