Separate, but related note: "NYC Open Data" is growing every day & provides free data https://opendata.cityofnewyork.us/ For national data check out the parent organization Socrata.com. Great resources for public data records, which are 100% free, contains everything from real estate transactions to the number of public bathrooms... Best of luck tracking down the costs.

Take a look at Dwolla (https://www.dwolla.com/) and their competitors' business models. All $ transfer companies are still largely bound by the same ACH batch processing constraints, meaning $ doesn't move instantaneously, yet... Good luck! -Gregg

One very interesting company right now disrupting the insurance industry is Zenefits. They employ a small army of insurance brokers and if you haven't researched them, it's def worth a few minutes of your time. You'll appreciate their business model. As for selling to insurance companies, I have a good friend (David Bodansky) who owns a boutique insurance brokerage and I've spent quite a bit of time in his office. I'm sure he and his staff would be open to the idea of helping sell a product they believed in, so perhaps your angle is to leverage the existing relationships that every insurance broker already developed? I think it's safe to say all insurance brokers have relationships and memberships to AM Best, hopefully that helps... Good luck! -Gregg

Consider reaching out to companies like Foodem and Root. Perhaps you've never heard of these names, but i've always liked Foodem's b2b model and for some reason I've always liked their videos, who knows... Root happens to have a great product (and team btw) Eric is a great guy, I'm sure he'd be happy to chat if you introduce yourself. I am speculating, but I suspect they may be able to connect you to a handful of interesting people. I am certain you can find many companies/founders in a similar space; inquire, ask, make new connections etc. etc. When time permits, I get the greatest reward from sharing and helping; we all do... While I can't be certain, I suspect many "funded entrepreneurs" share that same desire to give back and see others succeed. Good luck with Root and Foodem. They are completely different companies and hopefully offer completely unique insights/connections/perspectives etc. Good luck-keep connecting!! Continued success, Gregg M. Kennelly

Since this post we have more clarity on the direction of US interest rates. All things equal this is a great environment to lock in a 30 year mortgage and become a landlord. The lease is your bible and remember that when there's a dispute "tie goes to the runner," which essentially means that if you (as the LL) must clearly described every obligation and responsibility, seen and unforeseen. Sounds simple right? It's not and it's largely dependent upon the property type. If this is a residential home in the suburbs the repairs and maintenance obligations/involvement/coats differ greatly when compared to a condo in the city for example. After ten years in construction and ten years in property management I've been personally involved with a wide variety of property types. Every sound investment has a verified operating budget and 5 year cap ex budget. You get those two done correctly and you are definitely on the right track! If you have any follow up questions, shoot for 6am-7am eastern standard time. Warm regards, Gregg M. Kennelly

Zenefits is top of mind, growing fast and operating all over the U.S., which is incredible because they're only a few years old. All of their HR services are free, like tracking employee PTO, changing 401K contribution amounts etc. etc., but Zenefits also employs a small army of insurance brokers. If you use Zenefits you can continue using your current insurance broker for employee health care policies, but they can offer you a quote as well. That's where a big chunk of their revenue comes from, which is fine. Btw the CEO still serves as the Zenefits administrator for the company, which I think is really cool, but that's coming from a product guy. Anyway I researched this topic last month, hope it helps. Warm regards, Gregg M. Kennelly

Having made many of the same sacrifices, I can tell you it absolutely gets more rewarding with each passing month and milestone hit. I think this Dave Ramsey quote sums it up: “If you will live like no one else, later you can live like no one else.” -Gregg M. Kennelly

Would you like to compare & contrast our two side marketplaces? If so, I'd be happy to chat for 10min today. Def healthy to have a call comparing models, strategies, goals, milestones etc. Fair warning though, I see nothing wrong with leaving some money on the table when it translates into rapid adoption, higher user involvement and greater loyalty... Warm regards, Gregg M. Kennelly

"Baby boomers and senior citizens" are not a homogenous group, but AARP is a relatively trusted source of information for seniors. Have you considered advertising with "AARP The Magazine?" AARP has about 40 million members. Something else to keep in mind is that seniors usually have Medicare, approximately 60 million members over 65 years old. Not sure if that is helpful. If You share more about your model, perhaps I can offer more valuable insight. Happy planning, Gregg Michael Kennelly

I developed a multi-family prefab and it worked out well, but I had to compromise on a few things. Upon visiting the manufacturing facility I realized I could never have the large ceiling heights I wanted, b/c each level is shipped on an 18 Wheeler and because of the low bridge heights, my desired ceiling height was cut down by a foot. Pre-fab base finishes are bare bones, you'll want upgrades, from laminate crapola to higher end finishes like granite or hard wood. Wen your levels are connected with large lag bolts or equivalent, there's obviously plumbing and electrical connections to worry about and then of course the inevitable landscaping that has to take place after construction is complete and if you're talking about Canada, you could be living with a nasty muddy frozen lawn with tire tracks all winter (snowy trip hazard :)) In any event, once you have your title insurance and taxes figured out, as well as architect, permits and fees, you should be good to go! Good luck and btw RECORD THE PROCESS! Keepsake for the kids, a nice record for yourself etc. Nice to have, wish I recorded everything... -Gregg