Subtle difference there but important to survive in this business.

The single biggest challenge a new agent faces is to survive the startup period.  

I am blessed to have survive almost every real estate crisis in this business.

Even though you are trying to do the right thing, there is still a natural law of "survival of the fittest" - these "investors" will eventually either stop hiding and realize themselves they have been taken advantage of - or lose the home from city code violations,  or maybe a foreclosure forthcoming.

Some other issues as well.A second lien which survives a foreclosure would typically be from lack of proper notice and identification to be foreclosed.  

After surviving three different investigations in three different states, I'm terrified to get more calls from investigators, and I'd prefer to be unambiguous about my intent and position just in case I get additional calls from other investigators.)

The business is located in Brooklyn New York and there will be roughly 3 agents working with me  It is mainly a commission based on sales and rentals fIrm  and though it has survived the last 20 years it needs new business model ideas. 

But the point is that you really need to pound the pavement, research and tour properties and make yourself available to clients at all hours just to survive as a broker.

Fortunately I have been successful in, or at least survived, the bad years.

Whole life insurance product is 160 years old.No company or a product can survive unless it provides benefits and utility to its owners.For example, a cash value in a life insurance policy can be turned into annuity to pay a monthly income for the next 70 years, when a need to protect assets or family (i.e., young children is not longer an issues)Ask these financial gurus to help you pay for your term insurance contract when you are 60 or 70 years old.