When I started with ICG in 2004 I was a busy Realtor. With ICG my work hours doubled and I did not have as much free time for leisure activities. Before ICG I played tennis 4 times per week and I played a pretty good game. After three years of laying off I just started playing again. I took two lessons on Thursday and Friday, and played 2 hours of doubles on Saturday. At the height of my game I would hit a hard first serve, and my ground strokes home am for the lines. Saturday I hit spin first serves to cut down on double faults, and aimed my ground strokes and volleys more toward the middle of the court. This was a conservative approach so I would not beat myself, and as I play more I can get more aggressive and take some risks. Investment in 2007 and 2008 is like this. We need to hit the safe shots and decrease our margin of error. Once we have the basics in place, a bit of risk may be warranted. Places like Oklahoma are like hitting a tennis ball down the middle to avoid errors. On investing our hard earned dollars we don't want to see a large swing toward the negative. At the Los Angeles meeting on October 13th, we are bringing some excellent opportunities on single family homes at better than owner-occupant prices. We will also have some condo units for sale that are already rented. I also have my featured builders paying for a Chattel Pro appraisal for all new sales. This can give you an extra $89 per month in tax savings on a $175K purchase. Everything we are doing at this point with the aid of lower rates, is to have units at 10% down financing, with the inclusion of the depreciation and chattel savings to give you neutral to positive cash flow. For your future purchases, maximize your money, avoid the large negative cash flows, and like my current tennis strategy, make your investments like hitting the ball right down the middle. This will make you money in the next few years.