Even if the foundation is not on clays, storm water runoff overtime can wash away the soils on the side of your foundations making them weaker and more vulnerable to issues down the road.Also, if your are going to hire a geotechnical engineer make sure it's one from that specific area where the foundation problem exists.

The two-income-household is more than twice as vulnerable to financial failure as the one-income-household was.But while Elizabeth Warren got to these conclusions by studying bankruptcy data to figure out how not to go broke, what I found truly fascinating is how Thomas Stanley, author of The Millionaire Next Door, coming at millionaire surveys from a completely different political point of view, REACHED ESSENTIALLY THE SAME CONCLUSIONS ABOUT HOW TO GET RICH.How ordinary people easily succeed financially:1.

The seller was a "vulnerable" party ie elderly, disabled, incapacitated, not the only owner and so on8.

However, prepaying a mortgage can limit the ability to diversify wealth across various investment types, leaving homeowners vulnerable to drops in real estate values.

But the private loan business is vulnerable to fraud for borrowers since sensitive information can be exchanged 

And the HELOC is in 2nd position which is pretty vulnerable. 

The problem is in preforeclosures & "vulnerable persons" and S.A.F.E.

Everything has to be done by the book so that in the event you get sued your LLC's "corporate vail" cannot be pierced, and you end up leaving personal assets vulnerable.  

No one teaches them the risks of Subject To, let alone the much greater risks of having no money and no credit and dealing with vulnerable classes.

This is really sad, because it hurts vulnerable populations and increases homelessness.