We both experience the peculiarities of the economical situation here and me I'm the first to say that it's not easy to predict what will come up in the medium term.

The "realtor" who claimed that taxi drivers opinions are indicators of real estate trends vs. the college educated guy who pointed out micro-economic principles of supply and demand, not statistically invalid public opinion of statistically insignificant sample sizes of irrelevant opinions of low income and uneducated people, drive real estate.

It's annoying, but not the crisis many people think it'll be.

Well, while watching the global economic meltdown, I had a thought.

Examples are medical issues, job loss, lost business income related to economic changes, and others that you can demonstrate happened at a fixed point in time and are not ongoing.And others who have commented here are correct, your score was torpedoed because of its recency.

@Spencer Hsu neighborhoods can be distinguished by economics and crime(Trulia Green - Red).  

The financial and housing crisis was actually the catalyst for me becoming a full time investor.

When it is due for replacement, I would replace it with whatever is most economical.

But it looks more an more that the US is in the middle of a huge housing bubble and the economic cycle in the US might be about to turn (look no further than what the stock market is telling you).

@Brandon Rodriguez an economical lighting solution would be LED lights, since they are extremely long-lasting, energy-efficient, and give off little to no heat.