My clients have not accumulated much in HSA plans yet.

The Dr 'needs' 240k/year to live off of (which means withdrawals of 300k-350k from a retirement account) while the engineer needs 60k.I had a morning meeting with a client (late 60s) who fell out of his chair when we told him that in a couple of years when he is forced to start withdrawing from his IRA that his yearly income would be 100k.

That is a good point Brandon & is what I advise clients to do.

In the past they have said it was for the appraisal, so this time around I stated they needed to provide us with a copy of the appraisal if the client/realtor are paying for it.

Thanks for all of your advises, it turns out this agent is in the middle of quitting (or being fired) from the current broker and getting in to another; he has been sitting on doc for over 3 weeks (mostly basic REO disclosures that needed to be signed and return to selling agent) that he didn’t know how to pull them out of Windforms (Realtor Online Contract data base); asked seller’s agent questions about them over and over; lack of REO knowledge (REO Specialist printed on his card) and couldn’t care less for his last few clients…Relayed the facts above (with a little help from the selling agent) in addition to the tangible misled evident to my agent’s boss and got only 18 moths worth HOA fee ($810) credited.Yes, another rookie’s lesson learn; just didn’t think he would be that much out of line for a major issue like such; considering he’s a 72 year old guy with shallow ethic.

With bird dogging you are gathering property information and passing it onto another investor.

The forums that seem to have the most activity are:•SEO•Google-Yahoo-Search Engines•Linking•Getting Attention to Blogs•Marketing Ideas•Website design and Dev•Social NetworkingAll are great areas to pay attention to, but the single most important piece of the puzzle that I think is being overlooked is MOBILE.Here are some of the leading objections I hear from real estate agents, brokers and industry pros:•I use my phone for phone calls not to text chat•I only use text messaging to communicate with friends and family•I have a client that uses it all the time and I hate it.

Their is nothing better then calling or sending an email to the case worker and telling them that you are having an issue with one of their clients.

After all, the Realtors job begins with the client says no!

Information to gather: Gross Rent Expenses Price Financing Options repairs needed copies of leases management agreements comparable properties for sale comparable properties sold etc...