There are also several signs of a bed bug infestation such as droplets of blood on the bedsheets. 

A good test would be to split your list and send half the text based email and half the HTML based email.

Please note that the account into which the funds are deposited must be the same type of account from which the funds were first withdrawn (e.g. withdrawal of pre-tax funds from a 401k could be deposited in a pre-tax IRA but not a Roth IRA - "like to like").Loans:Payments on a 401k loan taken under the CARES Act must be paid back starting in 2021 over a 5 year term.Here are the details regarding the loans:NEW LOANS:The CARES Act which was enacted to provide relief to individuals impacted by COVID-19 allows for increased 401k loans and more flexibility for repayment of these loans.Specifically, you must be an individual who meets one of the following conditions to demonstrate that you have been impacted by the crisis (and it will be your responsibility to retain documents in your files that demonstrates that you are a qualified individual):Individual who is diagnosed with COVID-19, with a CDC-approved test;Individual whose spouse or dependent is diagnosed with COVID-19, with a CDC-approved test; ORIndividual who experiences adverse financial consequences as a result of being quarantined, furloughed, laid off, having work hours reduced, being unable to work due to lack of child care due to COVID-19, closing or reducing hours of a business owned or operated by the individual due to COVID-19; or other factors as determined by the Treasury Secretary.On or before September 23, 2020, such individuals take a 401k participant loan subject to the following terms:Maximum Amount of the Loan: 100% of their 401k balance not to exceed $100,000.

Do not rush into the renovation, by taking the first week or week and half to really stress test your assumptions it will give you the opportunity to make changes to your plan without costly consequences.  

If you do not have exact comps in the immediate area then you test by quoting higher rates each time you get new applicants.

Today (Tuesday) she told us that she tested positive for COVID.

I definitely want to know what all was on the test.

Maybe buy the ones at 55k to 60k for cash then sell this one for whatever....you can likely use the tax loss to cushion further gain if u believe the others have bottomed out.“ buy when there is blood in the streets, even if it’s your own blood”—one of the Rothschilds

Its not a smilie at the end of the sentence situation to loose good friends or create bad blood within a family due to borrowing money on some deal!!!!   

One strategy is buying one to live in and staying for a year using the FHA loan, then renting it out for a year to test your tolerance for being a landlord, and then in year three you see where your appreciation is versus the long-term hold prospects.