And I an not 'an attractive white female';) I am a white man, and yes, I did not behave like the guy in question.

I checked it for accuracy and electrically annotated any changes/additions it needed, then forwarded the file (via e-mail again) to my administrator, uDirect.

He states that the filing requirements would simply require annotating the tax return with a statement and reference to the relevant tax treaty when filing the tax return. 

I ran into a quirk where I just couldn't associate my website with my youtube channel - so I couldn't create "end pages" or "annotations" linking to my website and YouTube video testimonials.

Under the second Proposal, the EPA is asking for comment on the Development of a Renovation, Repair, and Painting Rule to apply to: 1.Exteriors of Public and Commercial buildings 2.If lead-based paint hazards are determined to exist, Interiors of Public and Commercial buildings Please see the Federal Register/Vol. 75, No 87/ Thursday, May 6, 2010/ Proposed Rules page 24848 for further information on this second proposal Comments must be submitted by one of the following three ways: 1.Online at the Federal eRulemaking Portal: http://www.regulations.gov 2.Mail: Document Control Office (7407), Office of Pollution Prevention and Toxics (OPPT), Environmental Protection Agency, 1200 Pennsylvania Ave, NW, Washington DC 20460-0001 3.Hand Delivery: OPPT Document Control Office (DCO), EPA East Building, Rm 6428, 1201 Constitution Ave, NW, Washington, DC; Attention _____________ (appropriate Docket Number) Please ensure that you annotate the appropriate docket number for the proposals on which you are commenting: 1.Dust Wipe Tests— EPA-HQ-OPPT-2005-0049 2.RRP for Public and Commercial Buildings— EPA-HQ-OPPT-2010-0173 For your convenience, EPA’s Renovate Right pamphlets may be obtained from EPARenovateRightPamphlets.com Additionally, EPA Certified Renovator (RRP) course offerings are available at EPACertifiedRenovatorClasses.com Thank you, Rob Dowse [email protected] CONNOR Institute

I know my Pro Forma isn't nearly as extensive or annotated, but I never use mine for much more than getting an estimate of a cap rate and a debt service ratio :PMy only point of note is that inflation isn't added in.

However, I an not Unconsciously Competent. 

I hear agents are using adobe acrobat and a program called pdf annotator to have them sign the paperwork

I do know that in most loans, your payments in the beginning  of the loan usually most of the payment goes to the Interest, an not the principal.  

Your fee does not get recorded on a Hud-1 (At least I've never seen it that way) If it did, (which I don't see as neccessary) then I personally think they should annotate it as a marketing fee and that it would be their responsiblity, not the seller's responsiblity.