State fort reforms dealing with workers comp lowered our rates significantly about 10 years ago.

Hello BP-Starting to see news about upcoming tax reform bill.

Amanda HanBrandon HallTax Reform Update – Brandon Hall and Amanda Han Linda Weygant GuidesUltimate Beginners Guide Forum StickiesBP Calculators or spreadsheets uploaded by membersMy Favorite Books I have to say all of the BP books…right?

Originally posted by @Joel Owens:I think they just moved commercial and residential depreciation schedule to 25 years from 39 commercial and 27.5 residential.No, this was proposed during the recent tax reform, but never passed.

This is per the OCC regulations.www.occ.treas.gov/ftp/bulletin/2005-6a.pdfAlso see Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA); Amendment to FIRREA effective June 7, 1994; Interagency Appraisal and Evaluation Guidelines (October 7, 1994); Uniform Standards of Professional Appraisal Practice (USPAP)I haven't seen or heard of any changes from the current policy.

Is this really true it could go away if their reform passes?

@Alex G. through my research and conversations with those in the business, your reference to Anti-Predatory Lending: Title XIV of the Dodd Frank Act applies to MORTGAGE ORIGINATION an addresses Mortgage Originators (Definition of “Mortgage Originator”The Mortgage Reform Act defines a “mortgage originator”as “any person who, for direct or indirect compensation or gain, or inthe expectation of direct or indirect compensation or gain: (i) takes aresidential mortgage application; (ii) assists a consumer in obtainingor applying to obtain a residential mortgage loan; or, (iii) offers ornegotiates terms of a residential mortgage loan.”Mobile homes are PERSONAL PROPERTY, not REAL PROPERTY, thus we do not create a mortgage note.

Every month that they get whacked with a fee might, it MIGHT reform their payment behavior.

From 1st missed payment to auction is ~6-months.PoA should work to reform the note/lien before trying to sell (and understand what they have). 

the people that sue just to make a quick buckOK, first off those people barely exist, and the ones that do always make sure that they're suing someone with really deep pockets, large retailers, hotel chains etc. 99.9% of stories that you hear about outlandish lawsuits are complete BS, dreamed up by polititicians trying to pass "lawsuit reform" laws that are much more likely to HARM YOU than to hurt you.worry about the prospect of an injury on a rentalThat's why I've always carried an umbrella policy, currently at $1 million, formerly at $5 million, I pay about $175/year for that in TX, probably cheaper in states where insurance is regulated!