Most likely will have to split some time between having my baby with me while I build, and the other times my wife will have to work out a schedule with my mom and her mom to watch the baby at home while my wife is at work...

Insurance will pay for most stuff, but we lost baby pictures, clothes, inherited jewelry, .... priceless items!

My budget doesn't change (I know this will change as we are having another baby, but...) 3.

Baby steps, right?

1) Always talks in the third person2) Ends every sentence with "Bum, bum, bum"3) Calls you boss4) Pauses for dramatic effect during basic questionsSo really if 1990's Rock, Captain Ron and Captain Kirk all had a baby, they would be REALTOR1 !!

I am now taking the initial baby steps to educate myself so I can find some sort of direction to go in.

Canada is still a baby, so the instructors/mentors, up to now, still have the time to "hold your hand" if you will. - Student resolutions is there to help!

Can anyone make some suggestions on a good clothing friendly repellant I can spray on my shoes/pants?

A headline that works well is "finally a place to call home - fur babies too"

Appraisers usually don't care about dirty dishes, clothes scattered about or if they just ran the sweeper that day (but they do care about the condition of the carpet of course).Appraisers tend to be more conservative if they don't see the inside...but if the interior shows leaking roofs, damaged walls, out of date fixtures, incorrect outlets, flooring in disrepair, etc....then a Drive By may be best if your Lender approves it.Your lender may also have a reduced LTV based on the Appraisal Type, so make sure that they are not only OK with a drive by, but what "hits" will you be taking on the %LTV, Rate, etc. if any.To answer your questions though, Full Appraisals usually create higher valuations if your property is in good condition than Drive By.