Any advice, direction, encouragement or otherwise is greatly appreciated.

thanks jason...well i'm not in a lazy boy, i'm in a cheap uncomfortable chair at my computer "KNOWING" that my future isn't taken care of. all i can do is read and imagine that comfy chair in front of the nice desk in my own office where i will do my business from in the future :-) thanks to all for the encouragement.

Hi Douglas,thanks for the encouragment!

let us know I'm sure it will encourage some new wholesalers out there.

> > I am writing you to encourage you to vote NO on HR 1728, the "Mortgage Reform and Anti-Predatory Lending Act".

Being creative is what made our society survive as long as it has, but not in the GURU sense as you so aptly put it.

Any required responsibility in todays society is a good thing.

Sure it is a bunch of legalize, mumbo jumbo but it is not too complicated.I have had students encourage me to get the word out to all my members, to write their Senator, hoping I can help stop the bill.

They are intended to provide a framework for defining what is and is not acceptable in society within particular borders (for example, the DC legislature creates laws that are applicable to DC).

SAMPLE LETTERS**IF YOU HAVE A REAL ESTATE LICENSE* Dear Senator [name];My name is Vena Jones-Cox and I am a life-long resident of Cincinnati.I am writing you to encourage you to vote NO on HR 1728, the "Mortgage Reform and Anti-Predatory Lending Act".While many of the provisions of the act are positive steps toward mortgage reform, the inclusion of private owners in the act (see section 101(3)(e)) will enormously reduce the housing choice of Ohioans and the ability of home owners to sell properties in this already-slow market.As a real estate broker, I have seen several dozen cases in the past year of home sellers and buyers coming to an agreement for an installment sale on a property that the owner desperately needed to sell (often to avoid foreclosure) and the buyer desperately wanted to buy, but could not raise the downpayment needed for conventional financing.In all cases, these sales turned out to be win-win deals for the buyer and seller; the seller was able to get rid of an unwanted property to a buyer who loved it, and the buyer was able to get his new home at an affordable payment and interest rates with none of the usual costs (points, application fees etc) inherent in more conventional mortgage transactions.In Ohio, these transactions are already regulated by state law: a low maximum interest rate is already in place, and both the buyer and seller are protected by other regulations at the state level.In defense of private property rights, owners should be exempted from the burdensome and unnecessary rules that this law foists upon them.