What becomes the other funny concept in my mind, is even in Will's response, the "ultimate" blame is actually on the LENDER and the appraiser becomes collateral damage for the lender from the investor.To the degree agents have their idea of value recorded, I would argue either so does an appraiser in the loan, which ends up dictating the purchase price or neither does and it actually all lies at the door step of the lender.You know, conservative banker types, spoiling the party for everyone else and escaping the blame since, well 3,500 years ago.

Assuming you meet their basic borrower requirements, in the end it’s always the deal that dictates an HML.

Depending on your cash on hand and your goals dictates where you can go.

Those finishes dictate quite a bit of your budget.

If the beneficiary gets to dictate the terms, then she should be happy with the collateral.

Obviously you want to be presentable, but driving a $70k car turns off just as many people as it impresses unless you're in a market that dictates otherwise.

. ;-)  Not so mean, but I can see how it could be seen as that.Marc was a teacher of mine a long time ago.I signed up with Russ Whitney Canada and multiple bootcamps in Winterpeg, Toronto, Vancouver and Calgary, minus about 75k in the process.So I was just wondering, as a trainer, did he like doing it, or as stated above... was it really dictated by Russ Whitney Canada.Marc's posts on the Whitney forum were pretty good (and a lot less swearing and badgering than the live "trainings".)Anyhoo ... old news, now I'm here to do it properly.

With respect to your pricing no one should ever tell you how to price your services, the market will dictate that.

Requiring licenses in each aspect of financial dealings will eliminate those without a clue doing business, except in commercial where borrowers should know better, it dictates responsibility and puts in place a system with teeth.

I think when you have the FED printing like Weimar making us the next banana republic, then its hard to pinpoint when the tip-over will happen, but common sense dictates that you can't print and hide the 300+ trillion in derivatives debt.