Certainly, there is some basis for doing so because many states have not even addressed the issue at all, thus allowing many to go unchallenged in their operations - so far.I simply wanted to present information to people because I believe - which I was clear about - that RTO and LTO are a very shaky business model that could have long-term consequences for those so engaged, as a counterpoint to all of those gurus who post here espousing those methods to help promote their get rich quick schemes. 

I am an engineer by trade and am married to an awesome wife and am blessed to have a sweet little baby girl. 

There are a lot of trade-offs in terms and rates between the two type of lenders so when you are talking to them make sure you understand everything so you can compare and make an informed decision.Hope this helps.

There are a couple other tricks of the trade to increase the chance of getting your file to be viewed the way you want it to be but this would end up being a novel of sorts.Hope that helps.

It's often said here, but bears repeating: by the time the Fed officially announces a rate hike, that rate hike is old news and of no further consequence to financial market movement.

Set expectations up front, inspect regularly, and have consequences when they fail.

Make a list of positions and trades you need to get to know.  

Give them a consequence if they fail to comply.

If not you have an il-liquid investment with potential tax consequences (not benefits).My first job I received a pension contribution that was converted to a 401k before I left.

Communicate consequences.