I recently sold a contract to someone who I have delt with for about twenty years.

Every state will have license requirements for a lender, if anyone tells you otherwise, they are wrong, there may be exceptions, but commercial lending is regulated in all states.Commercial lending has much less regulatory oversight, than consumer lending, but it is not without compliance requirements as it was with some guy writing a check for a loan twenty years ago or even five years ago.  

Twenty percent of homeowners are upside down - SO WHAT?

Twenty yrs ago I didn't qualify for a fixed rate mortgage and the best I could do was an adjustable.

I think Dave Ramsey's story was that he had a lot of real estate in Tennessee when he started when he was in his twenty's and when the market went bad the banks called his loans even though he had never missed a payment. 

--------RETURN OF POSSESSION & REFUNDS[Our company name, address and phone number goes here.]Tenant: ____________________________________________________________Rental Unit Address: _________________________________________________The tenant returned possession of the premises (as stated above) to the landlord on the date of ____________________ and attests that they have returned ALL sets of keys to the landlord.The tenant attests they have removed from the property all personal belongings.If anything was left by the tenant and later found, it shall be stored and/or disposed of by the landlord as per law.Security Deposit:As per agreement and as required by law (RCW 59.18.280) within twenty-one (21) days after the termination of the rental agreement and vacation of the premises or the landlord’s learning that the property has been abandoned, the landlord shall mail to the tenant’s last known address a full and specific statement of the basis for retaining any of the deposit together with the payment of the refund due the tenant under the terms and conditions of the rental agreement.The tenant paid a security deposit of ___________, which will be considered for this purpose.New address provided by tenant: ____________________________________Telephone provided by tenant: _______________________________________[Landlord signature with date][Tenant signature with date]

Iv been told to start working hard in your twenties so you can enjoy what you want in your thirties and so forth.

I worked as a chef in my early twenties and since then, accounting during the day and creative pursuits at night - first as a singer/songwriter, then in my thirties pursuing my degree as an English literature teacher.When my daughter was born three months ago, I had to take a hard look at my goals and I realized that raising a family on two teachers' salaries (my wife is an established teacher) is going to be a hard road financially.So the English teacher option was out - as fulfilling as it would be as a career, it won't pay the bills.I've always had an interest in real estate.

In fact, foreclosure is so common that of the one hundred twenty or so million homes that are in America alone, more than 4% are facing foreclosure.

.- And here's an excerpt from the actual Washington state law (RCW 46.55.070) that authorizes it (read the bold part in subsection (2) about residential property):RCW 46.55.070Posting requirements—Exception.(1) No person may impound, tow, or otherwise disturb any unauthorized vehicle standing on nonresidential private property or in a public parking facility for less than twenty-four hours unless a sign is posted near each entrance and on the property in a clearly conspicuous and visible location to all who park on such property that clearly indicates:(a) The times a vehicle may be impounded as an unauthorized vehicle; and(b) The name, telephone number, and address of the towing firm where the vehicle may be redeemed.(2) The requirements of subsection (1) of this section do not apply to residential property.