:)While GFG wasn't called out specifically by the DOL, this was enough to scare me into closing my 401K (the IRS penalties can be up to 110% of the value of your retirement account); I spent a year working with the IRS to get a formal determination of whether my company had violated any ERISA laws (luckily it hadn't).Just wanted to point this out for anyone who may be considering setting up a ROBS product, so that they can do their due diligence.

I see formal complaints as a last resort, not as the first option.Be neighborly!

I'm a fan of using actual costs in your analysis, as opposed to using the 70% rule (which is fine as a first pass, but shouldn't be used for formal analysis).Here's an article I wrote on this topic a couple years ago:http://www.biggerpockets.com/renewsblog/2010/03/17/calculating-fixed-costs-flip-rehab-wholesale-real-estate-deal/There's also a link in that article to another one where I discuss the overall analysis of a project.

The wall divides the kitchen/family room from a formal living/dining room.

Is this just a general term meaning what they have planned in their head, or is it something people sit down and write up formally.

Just start the formal eviction process by filing with the county courthouse.

I wanted to make a formal intro to the community.

On the brokerage side, formal education is definitely not a factor in an agent's success.

Kenny, I think I'll reserve a formal complaint for if there isn't a satisfactory conclusion. 

In OC I work for Orange County Association of Realtors, so this form of boards in his local area.Once you get ahold of someone, explain to them the situation and give a formal complaint, which should be followed by the local boards contacting him about getting everything you requested to you.