@Alex Ng I like to think about investing where people live.

I know people using oil paying $600 per month and people on NG paying $150 a month.  

Originally posted by @Yvonne Ng:@Dick Rosen Hello, How about Tucson, AZ near UA? 

Originally posted by @Anh Truong:If I was in your position, i would buy up small real estate properties in a desirable neighborhood and below market price.

19kyr 3 12k(36k) BUT cv says 30k 32k---Year 5 (60k).....BUT cash value says $55k(G)   $60(N-G)this will go on for 5 years!!!

@Albert Ng Nathan Gleason https://www.gleasoninsured.com

Up here for the price quoted you could install a small NG Generator that would eliminate all future power issues.  

N-O-T-H-I-N-G. 

.), opening & replacing walls with LVL beams, HVAC installs, on-demand HW (elect & NG) etc etc.

I do appreciate your concern about people getting carried away with refi’’ng their properties, but I new the opportunity at hand and my market very well which helps in determining when to pull this type of trigger.