The shorter tenor is easier for the lender to hedge the interest rate risk when it's providing the borrower a fixed rate loan (that's not done through a derivative).  

First off, the service in question and any derivative of this service, is a fringe service.

Then I realized, I didn't derive any additional happiness from my income after the $75K mark.. even though its multiples of this now.

I cannot imagine anyone has a utility that reduces their monthly bills, and the discussion of aesthetics seems to diminish as the cost gap widens between fossil fuel derived power and solar power. 

Some were good enough to spend some exploration time on, but at the end of the day, they don't really solve our problem of generating true, current, repeat, targeted and motivated leads tailored to our needs.Anyone of these "solutions", contrary to what some users or SaaS providers will try to make you believe, need not days or weeks but months of learning - been there, done that.All of the above derives from years of experience and conviction.

:@Alexander RoeschmannSince we only have accurate and reliable housing data going back 130 years and stock market data back to 1926, what have you used to derive your "100 year cycle" hypothesis?

I am not sure why it matters the cause of the price increase or why you think the increase in RE prices derives from different economics than the rise in stock Prices.

The highest and best value derived from college isn’t necessarily the degree(s) you earn, but the way your brain is re-wired to problem solve differently as well as the relationships you form while there.You never know, your best friend in college might be your future JV partner who has many of the skills you lack, and you likely wouldn’t have met him or her if you weren’t in school together.As a side note, I don’t think the two things are mutually exclusive.

From there, I've worked in accounting for various investments including securities lending, loans, derivatives, bank debt, corp bonds, long/short equities, etc.

Now these are a lumber derivative.