It is literally mind boggling how fast the current pace of innovation keeps increasing.

Any overfunded IUL will keep pace with the S&P500.

Unfortunately intelligently is most often accompanied by a slower methodical pace. 

In attractive markets (high demand, due to strong pop/job growth), there's a severe lack of new housing, which will likely  cause the coming market bottom to not be severe (not a big price drop).Here's a recent article on the lack of new housing: http://www.politico.com/agenda/story/2017/07/07/housing-crisis-shortage-no-fix-000472In regard to your second question...

What amazes me is your not hear trying to up sell and promote your own package/coaching/training/sales materials/agenda etc. while all of that is here it's done out of love of sharing and helping others!

Next on the agenda is getting another list from listsource and then doing a mass mailing.

Quote from @Conner Olsen: Quote from @Stephen Daniel Pace: Quote from @Conner Olsen: Quote from @Stephen Daniel Pace: Hi BP!

Actually, most companies would have to pay big fines for this, if the authorities did their work.As for real estate, in my opinion there is an obvious bubble, but the pace at which real estate prices adjust is slow, so I would expect a delayed reaction to the coronavirus economic crisis, due to the own nature of real estate.

Regular rent increazes will let you keep pace with increases in property taxes, hazard insurance premiums, and general operating costs. 

Quote from @David Paull: Listen to the podcast episode with Pace Morby.