Thanks again If you want the best of both worlds, here in the bay area we do what are called "tech wizard specials" for computer science guys that are 5 minutes out of college and go from $0/yr to $250k/yr overnight.

But that is dependent on the computer's memory. 

She is now in her third year and is tutoring for the university and specilizing in computer stuff.  

Now I'm thinking the computer offer may have been more affective.

It would be best to watch it from a computer

Then when the time comes, 6 months or 3 years later, they or their heirs call you and you get an awesome deal that no one else knows about.It also gets people who are receiving your marketing to go to your website and 6 months later, through the magic of cookies, seo and retargeting, those people come back - and this some how helps you with search engine ranking - the relevant traffic to your website from the postcards you mail out.Google / Facebook Ads - my new website company offers an easy way to be a big company and put cookies on peoples computers every time they visit my site.  

:)I've seen the latte concept in a few books as well, but for some reason it struck me a little more this time - probably because (being the computer nerd that I am) I actually busted out an Excel spreadsheet and ran the numbers. 

Try working an overtime shift once a week to make a better car more affordable.You should strongly consider your wife working from home.If she has computer skills and/or secretary training,she could easily be a virtual assistant to several real estate agents who need help with their paperwork,a reservation specialist for a travel and tourism company,or another customer service specialist.There are many jobs that can be done without leaving home and neglecting the children.

That said, the article at least information how they compute Tier I, II, and III markets.

The Net Sale Price is computed by taking your Gross Sale Price and subtracting your routine selling expenses such as real estate broker's commission, documentary transfer taxes, recording fees, closing attorney or escrow fees, title insurance costs (owner's policy only), exchange fees, etc.