Most of them have a solid balance of stocks and real estate - and these are people who have actually retired!

Get a credit card and carry a small balance and pay on it regularly.

HELOCs are much easier to set up than standard loans, although both are technically bank loans, and can actually improve your credit score if they have a zero balance.

Since you're using your profit, and you should be able to regenerate this from your seed money again, I say pay off the lowest balance of all the debt listed.Why the lowest? 

This is something we have done in the past and it really helps improve your returns on the notes with smaller payments/balances. 

With no response from her at all to tell me when she was going to pay the balance. 

If you have a history of late payments, carrying a balance, or have just never held a credit card before and are unfamiliar with the temptations of having an easily accessible $5,000 sitting around can be, I would highly recommend you sit on the sidelines.

To give you some examples, they freely change balances on my accounts and ignore to correct them - even with the support of the BoD.

All you really have is a faith investment relying 100% on appreciation to balance your monthly losses.

But some of these people also had a savings account with a $100,000 balance in it, suggesting that they could have afforded the power.