Every business looks at how they can increase what a customer spends.

I upgraded from Beyond Pricing to Revmax and have a dedicated Rev manager that looks at my properties daily. 

👋I'm a dedicated buy-and-hold investor looking to expand my portfolio, and I'm eager to connect with lenders who are ready to dive into more deals with me.

However, for $8,000, I received no live training—just videos—and was left to navigate the deal on my own, despite assurances of a dedicated consultant guiding me through every step.This ordeal has left me devastated.

Good luck in your real estate journeyIt is not easy, but you can succeed over time if you are dedicated and consistent.Don't expect to become wealthy overnight; it takes timePick one strategy like wholesaling and learn as much as you can by reading, networking, and taking real action; without action, there are no results, and without results, you cannot make moneyTake the knowledge and apply it fast, otherwise you will hit analysis paralysis and 3 years later you have not done anything. 

It's an important distinction to make.You're right that passing on legitimate increased costs to customers is a normal business practice.

You can create custom maps to mark areas of interest, track properties you're considering, and note key amenities like schools, shopping centers, and public transport.

In real estate, a broker or a salesperson can be the agent of a seller or a buyer.Here’s a list of the fiduciary duties that an agent owes her client:Accounting: The agent must account for all funds entrusted to her and not commingle (combine) client/customer funds with her personal and/or business funds.Care: The agent must use all of her skills to the best of her ability on behalf of the client.Confidentiality: The agent must keep confidential any information given to her by her client, especially information that may be damaging to the client in a negotiation.Disclosure: The agent must disclose to the client any information she receives that may benefit the client’s position in a negotiation.Loyalty: The agent owes undivided loyalty to the client and puts the client’s interests above her own.Obedience: The agent must obey all lawful orders that the client gives her.

Better customer service, IMHO.

so what really happened is unrealized HTM loss doesn't need to be recorded in the book so they dont have to sell it EXCEPT if there's massive withdraw from customer AKA bank runs.It's the bank run that causing the bank to collapse.So in theory you can avoid issue by saving the money that has the smaller holding of HTM paper or invest in the bank where there're more incoming asset coming-in.