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.

According the the ATTS (American Temperamental Test Society), Pit Bulls have a passing rate of 85.3% compared to the average of 77% for all dog breeds.

In fact exchange companies like RCI actually prefer owners at certain Vegas resorts do just that, and they're willing to give extra bonus weeks (and sometimes other perks) to help encourage those owners to not visit Vegas using their deeded week(s).

I cant' be of much help to your question but would like to offer you encouragement on your REI journey!

The youth of Iran see modern life and want to live in a modern society, not one where women are worth 50% of a man, etc.

We live in a wasteful, throwaway society that STILL cannot see our own faults.

The people who deal in tax credit attainment and syndication can almost be considered a secret society.

Very encouraging to know that one can live off of just Rental properties.

Taxes for Police, Fire, roads, etc. are all part of living in a civilized society and I don't mind paying for those things, but when the govt. is just giving our money away to Banks, the automakers, AIG, etc., then yeah I say START THE REVOLUTION!

Any pointers, tips, knowledge, encouragement and/or personal experiences are welcome.