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Landlord Liability for Dog Bites

Landlords are often fearful to accept rent to tenants with animals especially dogs because the reasons that they are worried about is their liability if the dog can bite one of the tenant or otherwise injures someone that must take immediate action.

Of course this can be a valid concern by the landlord; but it is also an unnecessary concern.

There are only certain instances when a landlord may be held liable if a tenant’s dog bites or injures an individual.

Who Is Usually Liable?

Majority cases, if the pet or in a specific the dog harm, the owner of the dog is the one who is primary responsible. Since the liability for a dog bite often rests on the tenant, landlord must give an advise prior before the lease start, especially those with animals, to purchase renter's insurance.

Important thing that they always examine the policy to make sure it does not exclude coverage for injuries or damage caused by a dog or that it does not exclude certain dangerous dog breeds from the coverage.

When Is a Landlord Liable?

Keep in mind that each state has different laws, so it is important to check locally to determine the exact rules that may apply to you.

A landlord is not being held liable if a tenant’s pet or dog attacks someone. But According to Nolo.com, a landlord could be held accountable if they already know the dog was dangerous and could have had the dog removed.

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A home warranty is an affordable way to cover the costs of unexpected mechanical failure of a major system or appliance in your new home. A home warranty is specifically designed to cover the kinds of repairs that home insurance does not: appliances, plumbing and electrical, air conditioning and furnaces, and pool equipment.

The average annual cost of a home warranty policy is between $250 and $400. Most home warranty companies offer comparable coverage within the same price range. The premium is payable at close of escrow and customarily protects you for one full year. Repairs are typically handled through the home warranty company with a minimal deductible. Often times the cost of the first year premium is offered as an incentive by sellers to solicit the sale of the property.

The age and condition of the home should be a consideration when choosing to purchase a home warranty. A fifteen year-old home with original equipment, versus a two year old home will likely have different financial risks. Your Realtor can help you decide if a home warranty policy is right for you based on your individual circumstances.

Why Should I Consider a Home Warranty?

Homeownership is expensive enough all on its own, without adding the cost of repairs and replacements. When moving into a home where appliances and systems have been previously used, there is always the chance that the general wear and tear, or the way in which they were previously used and maintained, could cause breakdown and/or complete failure. These repairs/replacements can be astronomically costly and often times occur unexpectedly. A home warranty will protect you financially from most of the frequently occurring breakdowns of home system components and appliances.

No matter what policy or Insurer you use be sure to read the details of coverage, ie: the fine print. Many of these companies require that you call them absolutely FIRST when a repair is needed. If you call your neighborhood plumber, hvac or electrician, then the insurance company may not cover the work. So be aware of this detail now, before any emergency repairs are needed.

Discuss your unique needs and concerns with your home warranty representative. If you do not have a trusted home warranty representative, your Realtor can refer you to one.

This information is meant as a guide. Although deemed reliable, information may not be accurate for your specific market or property type. Please consult a Realtor professional or home warranty representative for more information home warranty policies.

Should You Compare Quotes from Various Agents for Home Insurance?

Don’t be fooled by funny commercials and catchy slogans; insurance is quite complicated.  Varying levels of coverage, locations and other factors make insurance policies very different from one provider to the next.  That is why it is so important to compare various quotes from different insurance agents.

Wild Changes for Multiple Locations

Check out these findings from Bankrate for multiple quotes for various locations

Bankrate used the websites of popular insurance providers to get quotes for various cities.  The parameters for the quotes were as follows:

• Single family home
• Full replacement policy
• Value of home $250,000
• Liability policy of $300,000
• A deductible of $500
• Medical coverage of $1,000 for each person

As you can see from the chart in Racine, WI the 3 quotes for the same property varied by 37%.  For higher priced areas such as Chicago, IL the quotes differed by as much as 121%.

What Causes the Differences?

Every year the insurance department from each state will approve a set of rates which is based upon the actual losses in the state from prior years as well as anticipated claims for the upcoming year.  Each insurance company uses a team of actuaries to look at historical data to come up with a reasonable expectation of insurance claims for the upcoming year and compares that with the company’s financial ability to pay the claims.

Each insurance company has their own standards and guidelines for assigning rates.  One company may place a higher weight on the costs to build in a particular neighborhood while a second insurance company would place more emphasis on the rate of crime and possibility for a natural disaster.  This is one reason why it is so important to thoroughly investigate a new neighborhood and understand the area’s history before buying a home.

Rash of Disasters Take Their Toll

The disasters from that past few years all over the country have resulted in higher insurance in multiple areas.  Tornadoes in Missouri, flooding in Tennessee and hurricanes along the northeast have left a wake of millions of dollars of damaged buildings, automobiles and personal belongings.

All of these events, and many similar disasters, have driven up the cost of homeowner’s insurance. Along with these natural problems there is also the issue of higher costs to build a home after it is totaled and the decreased investment returns that insurance companies have experienced with the sluggish economy.

Before getting a policy with an insurance agent make sure all of your bases are covered.  You will obviously need a policy that will take care of your home and your mortgage loan if the property is completely destroyed.  You also need to take an inventory of your belongings to make sure they are protected in the case of burglary, fire or other event.  Some people have collections of valuable items such as art, jewelry and firearms.  Losing these items can be disastrous, especially if the insurance policy is not adequate for the loss.

Verona, Wisconsin Homes for Sale

The Wisconsin housing statistics are in for March of 2014. Here is an excerpt from what the Wisconsin Realtors® Association (WRA) had to say:

Home sales dropped for the third straight month in Wisconsin as the frigid temperatures and hefty snowfall continued into March, according to the latest analysis of housing market activity released by the Wisconsin REALTORS® Association (WRA). Compared to March 2013, home sales declined 11.3 percent in March 2014, which contributed to a weak first quarter. First-quarter sales fell 8.5 percent compared to the first quarter of 2013. However, the median price of existing homes rose a modest 1.9 percent to $136,500 over the period between March 2013 and March 2014. Median prices were up 4.2 percent for the first quarter relative to the same quarter last year.

“Even with spring officially arriving in the middle of March, the spring selling season has been slow to gather steam,” said Steve Lane, chairman of the WRA board of directors. “We are hopeful that the spring thaw will jump-start the selling season that traditionally gains momentum in the second quarter,” Lane said. Still, Lane noted that the first quarter sales remain above their levels of two years ago — a year that had a relatively mild winter by comparison.

Below are the number of Home Sales and Median House Prices for the state of Wisconsin, Rock County, and Dane County. These stats include Janesville and Madison. Feel free to contact me if you have any questions pertaining to these figures. As you probably have heard, home sales & prices have been increasing over the past few years. This month again showed a decrease of home sales statewide, but an increase in home prices. Dane County's prices increased around 4% in March, year over year, while Rock County's median home price stayed nearly the same. Rock County did show an increase in home sales though, in contrast with the rest of the state.

Thinking of purchasing a home before prices or rates rise any further?! I'd be happy to show you any homes currently listed for sale. Feel free to visit Home Listings in Rock County to search for current Rock County properties or visit Home Listings in Dane County for homes in Dane County Wisconsin.

Now might be the right time to sell your Wisconsin home. Feel free to take a look at our cutting edge Rock Realty Marketing Plan! If you would like some insight into how much your home is currently worth, I would be happy to provide you with a free comparative market analysis. This is a report that gives a close estimate to what your home might sell for in your current local Wisconsin real estate market. Click below:

What's My Wisconsin Home Worth?

Has your home value fallen below what you currently owe? Have you experienced a hardship like divorce or job loss? A short sale may be right for your situation. Visit our page on Wisconsin Short Sales for more information.

Anyone else feeling totally conflicted on whose mandatory webinar training to attend, you know, ever since they started SCHEDULING RIGHT ON TOP OF EACH OTHER?! lol. Trying to get me to choose who I will serve or just major coincidence?

So obviously, they're not getting 100% attention tomorrow as I'll have my screen split and be fading the volume from one to the other every so often...since they TRACK your attendance. *sigh*

Thankful for replay links, I am...

Good night.

I recently received this solication.  Does anyone have any experience receiving listings from TREO?

Thanks,

Gary

For more than three decades, TREO International has provided consistent management and disposition solutions for a client base of over 75 regulated financial institutions, government agencies and mortgage insurance companies, in addition to private investors. By excelling through many up and down economic cycles, we are known as a credible player in the Default and Real Estate Industries. 

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Although the Default Industry is not for everyone, if you have an interest in it, being a part of the TREO International Network will expand your knowledge and experience in the Industry. Our premiere network of nationwide resources, coupled with proven expertise, makes becoming a part of TREO International Network the right choice

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Buying a new home is quite an undertaking. The stress of buying a mortgage and planning on how you will pay back your lender can be a daunting process. It seems that a mortgage term can take a lifetime. Some mortgage periods last 20 years, most will go on for 25 years but there are 30-year terms available if you want to stretch out your payments over a longer period.

Before you can even start to do any calculations – and we will at a later stage – you will need to get some figures written down first. The significant figure, of course, is the price of the home you are buying. Next, you will need to write down a figure representing any down payment (or deposit); this is assuming there is a deposit, in this example we will work without a deposit sum.

So, how exactly is a real estate mortgage payment amortized? We have the price of your home – let us say you are buying a small condo in South Carolina valued at $100,000. You will have made the offer to the seller (via the real estate agent of course) and then you will need to establish a lender that is prepared to loan you the sum of $100,000 (remember you are not putting down any deposit).

 The lender will offer you an interest rate by which you must pay on top of your $100,000. If you decide to reduce the amount of monthly payments you would normally go for a 30-year term, rather than a shorter period. At 30 years with a fixed rate of 4.5% throughout the life of the mortgage you would have to pay $506.69 a month.

Now, there are 360 months covering the life of your mortgage, so that's 360 x $506.69, which means over the life of your mortgage loan you will pay a total of $182,408. The first thought you will have is that you are paying some $82,400 more than the actual selling price of your South Carolina condo.

Well, it's the way a mortgage payment is amortized, so if you want to drag out the loan over 30 years then any fixed rate is actually a good bargain, despite the US interest rates at an all-time low in the present climate. These low interest rate figures may well go up at some point in the future but it would be unlikely that we will see the historic highs before the housing market collapse pre-2007.

If you are a Real Estate Agent and need our Virtual Assistants, CONTACT US

Broker's Price Opinion is the way forward when hired sales agents use a method to calculate the selling price of a home that has been repossessed. One will usually find the need for a Broker's Price Opinion when a lender or a mortgage company thinks the expense of a property cannot be determined, therefore forcing the lender to order the BPO. It is the real estate broker that carries out the valuation.

The price that is determined from the BPO is issued in a report which can be a four or five page official document and includes key information such as:

• The neighborhood and property prices in the immediate ZIP code

• The price of similar properties in that neighborhood

• Regional market aspects

• Condition of the property

Sales trends are also taken into consideration and the BPO agent will also look at aspects like how much repair needs to be carried out on the property, whether the garden, fixtures, fittings and foundations are in disrepair and even crime figures which could lower the pricing opinion of the local area. 

A lender or a bank will hire an agent to carry out the BPO and there are a number of different reasons why they may order a BPO on a real estate property. These will include real estate owned properties where homes will have been repossessed following non-payment of monthly revenues, foreclosures, short sales, and sometimes just to double check a previous appraisal of a home's price.

The estimated value of a property could be calculated by a real estate broker or a company that is certified to carry out a BPO. Another determining factor in BPOs is the cost it might take to get the home up to scratch and ready to sell on the normal market. A home that has been repossessed is more often than not in a state of disrepair, or it could have had the gas and electricity turned off. 

A home that has been through foreclosure may even require extensive work on the yard areas, plumbing, rewiring, fire or water damage, driveway repair or simply need modernization and redecoration carried out. These factors and costs are calculated in to the report by the real estate agent and then passed on to the financial institution, such as the bank, lending association or financial institution that has requested the BPO in the first place. 

If you are a Real Estate agent that specializes in processing BPOs, contact us about being your virtual assistant to help you process all your orders.

CONTACT US HERE for more information on helping you with your BPOs.

I Am So “explicative” Over It!

I am sick of agent calling me to ask, “Will your property 666 Money Pitt Ln, you know, the one with busted pipes, will that go FHA?”

I am so flabbergasted at the question that I can’t figure out a creative yet, flagrant way to respond without coming off hostile or sarcastic.

When I am not sick of these agents calling me with these kinds of questions, I am tired of having to deal with agents who are too lazy to do their own research or at least, have a working knowledge of your profession.  If you are going to be an agent, work with buyers, you might want to have some kind of knowledge of lending products….just saying.

So, in other words, I am sick and tired of these lazy agents….I am. I have been in this business for 9 years, my 10 year anniversary comes up this September and in that 10 years, I can honestly say I have only met a handful of agents who seem to get it. It’s truly sad that our industry is comprised of so many who don’t see our industry as a profession….filled with professionals.

For goodness sake people, what other profession can you tell me that helps consumers make the biggest financial decision of their lives? Now….when you come up with some of those professions, stop and ask yourself, do those professional industries have the same amount of nincompoops in their profession?

Maybe I am just venting…maybe I have just leapt off the wall of reason, two feet into pure insanity but, I am just so done with idiot agents. I am…..I am over it.

Another example, last week, I had an agent ask me, “What should I tell my client?” I almost flipped out. I really almost had a Jeff Lewis flipping out moment. It took everything in my strength not to go off on this agent. I took about 3 seconds, centered myself, and replied, “You tell them the truth, exactly what happened.” She just couldn’t come to terms with it….”the truth”…she said, I said, “Yes”….and her reply was, “I could lose her as a client.” At this point, I wasn’t able to contain myself so, I just got quiet…didn’t say a word….an awkward silence fell on the phone call and after about 8 seconds or so, she just hung up on me.

Our profession is filled with less than professional people. Somewhere down the line, we got caught up and have somehow confused the definitions of Professional and Professionalism. What I mean is, some people think it’s not professional to tell another agent to do the right thing. In both these situations above, I got calls from Managing Broker who thought they were being nice to call me and tell me their agent wasn’t happy with me or that I cost them business. …..ooohh….Let’s just say, don’t call me to complain about me when the just of your complaint is, “Well, maybe you could have been nicer”.

I am not in the business of being nice. As a colleague, I will provide you professional service, I will provide you with quality customer service and that includes telling you when you are wrong. That include telling you, plainly, simply, without ambiguity what needs to happen. If that hurts your feelings, if the truth causes you some compulsion to cry or run to your Broker with a complaint…..well, go and talk with Judge Judy or Gordon Ramsay and see what they would say.

Now, at times….I will admit, my patience is thin and the day has been long and hard so, I can be less than my chipper, over the top friendly self however, I will go out of my way to help you. People who know me, know this to be true…I will help you but, I can’t fix stupid.

So….what do you need to know about me.

1. I can’t fix stupid: If you are suppose to know something as a professional…..you better know it.

2. I can’t work with liars: If I smell a lie….I will find it and in and…yes, I will be pissed so, don’t expect any empathy from me.

3. I will not do your job: If I am not your Broker, don’t expect me to do your job. If I am your Broker, I hired you because; you know how to do your job.

4. Be accountable: Don’t be afraid of accountability, you won’t grow and become a better person without it.

5. Keep open to learning: None of us know it all, even I learn new stuff every day but, if you shut down to learning, if you shut your mind down to instruction, I have no time for you.

Agents / Realtors, let’s be professionals, let’s hold each other accountable, let’s stop doing others jobs and create an environment of honest discussion, free flow of ideas and most importantly, an environment where don’t have to worry about hurting feelings when truth is spoken. Sometimes the truth hurts…it just does.

The Right Way to Investigate Your New Neighborhood

The house looks perfect and it has all the features you need.  The location is convenient for your needs and there really is nothing standing in the way of buying this particular property.  STOP.  Don’t buy the house until you do one thing; investigate your new potential neighbors.  Here are some tips for finding out the not so obvious facts.

Make Multiple Visits at Multiple Times

One of the best things you can do before buying the home is to visit the home are various times and various days.  The appearance of the neighborhood at 11:00 am on a Wednesday will likely be different from the appearance on a Thursday night.  Look for neighbors that are in the yard, on the street and how busy the roads are.  Are any of the neighbors engaged in any loud activities such as parties, electric tool use or other annoying sounds?  Take your time and make sure to visit the home on the weekend as well.

Chat Up Your Potential Neighbors

The people that will be your neighbors have the information you need.  However, it can be a challenge to get them to talk.  During your visits look for people out in the yard engaged in various activities.  Start a pleasant conversation and ask them about their opinion of the area and the neighborhood.  Ask a few open ended questions and give them a chance to talk.  Make sure to ask if there are any troublesome neighbors to look out for or any problems in the area such as sink-holes, poorly built homes or sewer issues.

Use the Internet

Various websites like Google and Bing offer maps and street views of nearly every known address.  Type in the address and look around.  It is likely that the pictures are at least a few months old if not a few years.  The home could look exactly like it does now or there could be some major changes.  Take time to look at the home you intend to buy as well as the adjoining properties.  You may discover something that raises a red flag and causes you to consider a different property.

Check Police Records

There are some websites and even smart phone apps that provide detailed police records for neighborhoods.  These sites will usually list things such as robberies, vehicle thefts, and violent crime. Some neighbors on one street may not be aware of crime that is frequently occurring one or two streets over.

See if anyone is Blogging

Sometimes there will be a blog or even a small community newspaper published for the area that you are considering.  If you can find the blog or recent paper take some time to review the information.  Local events, improvements in the neighborhoods and other items will likely give you enough detail to see if this is the right area for you.

Some of these steps may take a bit of time to complete and may seem awkward at first.  However, considering the large investment that comes with owning a home it really makes sense to spend some time researching your new neighborhood and ensure that it will be as nice as your new home.

Middleton, WI Homes for Sale
Waunakee, WI Homes for Sale
Beloit, WI Homes for Sale
Milton, WI Homes for Sale

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• Familial transfers: Quitclaim deeds are often used to transfer property within families, for example, between parents and children, siblings and other closely related family members.
• Adding or removing a spouse: Whether resulting from marriage or divorce, a real estate owner can use a quitclaim deed to add a spouse to the title or to remove him or her.
• Transferring real estate to an LLC or corporation: Since corporate transfers often happen between closely related entities, they are usually done with this deed.
• Transferring real estate to a trust: Estate planning for subsequent generations often involves an initial transfer from a family member into a trust.
• Clearing the title for insurance purposes: In the process of researching the chain of title, title companies may find a "cloud" on it. Generally this means that someone who is not identified in the ownership history may have an interest in the property. This can be amended if the person in question executes a quitclaim deed.
• Removal of a potential interest holder: Prior to funding a loan, lenders may require someone who is not going to be on the loan, such as a spouse, to record a quitclaim deed, thus formally foregoing any future interest in the property.

The Wisconsin housing statistics are in for February of 2014. Here is an excerpt from what the Wisconsin Realtors® Association (WRA) had to say:

For the second straight month, home sales dropped as Wisconsin recorded its coldest winter in decades according to an analysis of February housing market activity released by the Wisconsin REALTORS® Association (WRA). Existing home sales dropped 10.1 percent relative to February 2013; however median prices actually increased substantially, rising 7.4 percent to $130,000 over the same 12 month period.

“We live in Wisconsin. We expect slow sales in February,” said Steve Lane, chairman of the WRA board of directors. “But we broke many records for cold temperatures this winter, so it’s not surprising this year’s February sales were off the 2013 pace,” Lane said. “Weather extremes weren’t the only thing that conspired to dampen sales. Median prices have grown consistently since March of 2012 and mortgage interest rates have been climbing and are now almost a full percentage point higher than this time last year,” Lane said.

Below are the number of Home Sales and Median House Prices for the state of Wisconsin, Rock County, and Dane County. These stats include Janesville and Madison. Feel free to contact me if you have any questions pertaining to these figures. As you probably have heard, home sales & prices have been increasing over the past few years. This February showed a decrease of home sale statewide, but an increase in home prices. Dane County's prices stayed fairly stagnant year over year, while Rock County's median home price was up over 20%!

Thinking of purchasing a home before prices or rates rise any further?! I'd be happy to show you any homes currently listed for sale. Feel free to visit Rock County, WI Home Listings to search for current properties listed in Rock County or visit Dane County, WI Home Listings for homes in Dane County.

Now might be the right time to sell your Wisconsin home! If you would like some insight into how much your home is currently worth, I would be happy to provide you with a free comparative market analysis. This is a report that gives a close estimate to what your home might sell for in your current local Wisconsin real estate market. Click below:

What's My Wisconsin Home Worth?

Has your home value fallen below what you currently owe? Have you experienced a hardship like divorce or job loss? A short sale may be right for your situation. Visit our page on Wisconsin Short Sales for more information.

Foreclosure filings are down to record lows, but a more sinister-sounding problem may be on the rise—"zombie foreclosures."

RealtyTrac released its U.S. Foreclosure Market Report for February, reporting that foreclosure filings (default notices, schedule auctions, and bank repossessions) were 112,498, down 10 percent from January and down 27 percent from the previous year.

Foreclosure filings in the month of February represent the lowest monthly total since December, 2006—a more than seven-year low.

"Cold weather and a short month certainly contributed to a seasonal drop in foreclosure activity in February, but the reality is that new activity is no longer the biggest threat to the housing market when it comes to foreclosures," said Daren Blomquist, VP at RealtyTrac.

"The biggest threat from foreclosures going forward is properties that have been lingering in the foreclosure process for years, many of them vacant with neither the distressed homeowner or the foreclosing lender taking responsibility for maintenance and upkeep of the home—or at the very least facilitating a sale to a new homeowner more likely to perform needed upkeep and maintenance," Blomquist said.

As of the first quarter of 2014, a total of 152,033 properties in the foreclosure process had been vacated by the homeowner. These “zombie foreclosures” represent 21 percent of all properties in the foreclosure process.

Owner-vacated properties have been in the foreclosure process an average of 1,031 days, nearly three years.

"One in every five homes in the foreclosure process nationwide have been vacated by the distressed homeowner, but it is closer to one in three foreclosures in some cities," Blomquist added. "These properties drag down home values in the surrounding neighborhood and contribute to a climate of uncertainty and low inventory in local housing markets."

The state with the most owner-vacated foreclosures was Florida with 54,908, representing 36 percent of the national total. Illinois (15,512), New York (10,880), New Jersey (8,595), and Ohio (7,780) rounded out the top five states for owner-vacated foreclosures.

Foreclosure starts fell back to 51,842, their lowest level since December, 2005. A total of 47,715 U.S. properties were scheduled for a future foreclosure auction in February, down 15 percent from the previous month and down 21 percent from a year ago.

Bank repossessions (REO) were 30,307 in February, up less than 1 percent from January. Year-over-year, REO properties were down 33 percent.

States with the highest foreclosure rates in February were Florida, Maryland, Nevada, New Jersey, and Illinois.

Among metros with populations of 200,000 or more, Florida held nine of the top ten metros for foreclosure rates in February. The dubious honor of leader went to the Palm Bay-Melbourne-Titusville metro, where one in every 296 housing units were in foreclosure—nearly four times the national average.

ww.dsnews.com

Russia Took Aim at US Housing and Fired Warning Shot.

The claims may be inflammatory however, Hank Paulson, former US Treasury Secretary during the 2008 financial crisis that saw the bursting of the American housing bubble says he was approached by Chinese senior leadership who claimed that during our 2008 financial crisis, they wanted to partner with China to sell Fannie Mae and Freddie Mac securities in hopes of further crippling the US financial markets.

Hank Paulson, “Here I’m not going to name the senior person but, I was meeting with someone…. This person told me that Chinese had received a message from the Russians which was, “Hey Let’s join together and sell Fannie and Freddie securities on the market” The Chinese weren’t going to do that but again, it just, it just drove home to me how vulnerable I felt until we had put Fannie and Freddie into conservatorship.”

For many years now, I have been writing blogs on just how terrible our debt crisis is. I have been land blasted by the progressive liberal left that argue we don’t have a debt crisis and my fears are unfounded….or even worse, the stuff of conspiracy theories. I have stayed true to my believe that having so much of our debt controlled or in the hands of foreign countries that aren’t allies of America is dangerous and one day, may come back to haunt us. The quote from former Secretary of the Treasury further strengthens my position that wars in the future will expand to more than just ground forces taking over a sovereign nation however, digital warfare and economic warfare will become more common in this new century.

If you don’t see the urgency of our debt crisis and how our uncontrolled spending could be a fatal shot to our economic health as a country….just ask Russia what their opinion is. Based on this communication Hank had with China, our enemies see our debt crisis as an opportunity to bring us down. The fact that Hank would come out and say this now should be eye opening, it should shake this country to it’s very foundation. Lady Liberty will be crushed under the mighty weight of debt….a burden she isn’t naturally strong to carry.

My point, is that our Liberty, our Freedom, our America can only survive, thrive, prosper when we as a country are not vulnerable to outside economic warfare. Our problem is, economic warfare is preventable, it’s easily remedied by controlling our spending however, like a meth addict, what is it going to take for us to hit our preverbal bottom….what do we have to go through before those dependent on the system wake up and ask themselves not what your country can do for you but, what can you do for your country?

By then, it may be too late.

Has anyone been experiencing a form called appraisal "ACI" form coming up on orders instead of the regular BPO forms to complete which also mentions something about a fee in the terms of agreement?  Is this actually a true appraisel report form?  The reason I'm asking, is that I have one of my vendors who's system will ask me to upload this program to install to complete a BPO report and some orders upload the standard BPO form I'm used to completing.  I'm wondering if this vendor is trying to fool the banks by getting agents to complete an appraisel report as a BPO fee report and then turn it in and get the nice appraisel fee?   I'm thinking this could be illegal if infact the "ACI" form is for appraisels?  These days, you don't know which vendors to trust anymore. They keep telling me their client has to sign off on the one's I am unable to bill to get paid, yet the ones that I have been able to bill are the ones that I used the standard BPO forms?  Anybody have a thought on this one?