Not even. and getting a personal note in many states is a violation of law, especially here in California, and any other anti deficiency state.

Tear out grungy tub caulk and put in fresh white anti-mold bath caulk.

Always keep your anti virus up to date and run frequent searches. 

This is anti-Dave to the core but he makes a lot of sense.

But I’m not anti hml or pml!!

I was a loyal and forgiving husband and got run over by the train known as sheisty divorce lawyers and the anti-Dad legal system.

Unfortunate, but not a surprise.The more ignorant laws the stupid politicians pass in CA and a few other states, the better it is for those of us operating in relatively business friendly states as jobs and residents continue to flee those anti-business locations.

I am very anti PMI.

Ontario has the most anti landlord/tenant friendly regulations in North America in my opinion.

I bought my home at $100K below the mortgage owed, and it was an REO for 3 years.To understand why banks are so cautious, I learn from my wife it's an anti fraud thing.