But I would use this test, Steve Babiak.

"Sorry we decided to go another direction" I usually put a test in the Craigslist ad as well just to sift through someone I wouldn't want to work with anyway.

Can you imagine the out come for a Realtor and Broker for disclosing client information.....does that even pass a sniff test????

It is SORELY needed here in Southern Cal, I have endured the rounds of wannabe gurus, pitch fests and self important realtors that love the sounds of their own voices (there was one RE organizer who pitched a mlm scheme on a bottled soda) sheesh!

If it doesn't pass this first test then you want to consider other alternatives.

I installed the furnace myself and ran brand new black pipe to the furnace and did a pressure test myself.

You want someone who delivers a nice bottle of wine at closing - not an invoice.

I found a few websites that claim to offer it but I am not sure if they are just offering prep for the FL test or can you truly get your license online?

A $1M umbrella costs $300-500 per year, that is a lot cheaper, easier and more proven than elaborate equity stripping schemes that will probably not pass the smell test if dissected by a court.

There is, however, the Golden Mean at which you deffinitely can acquire an asset that will withstand the test of time and yet throw off plenty of CF today and in the future.