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Reply: 1.1.1 From: Rolf Latham Hi Judy Yes you can hold onto your 20 k. By doing yourself I did not mean schlepping bricks or tiles, nor did I mean enganing your own subbies. I meant you engaging your builder of choice and thereby taking out the marketing marigns. Hope thats clearer than...

Reply: 2 From: Rolf Latham Probably Not missed anything - obviously the builder, marketing people etc need the margins. From other posts I would think 20 k would be about the saving to expect if you did it yourself. Ta ROlf