I spent the morning fishing yesterday with a good friend who is in escrow for a package of 75 of these properties on 70% owner-financing.  

An RMLO in some states could have been selling fishing tackle or cars 6 months ago, took a twenty hour class, got a job at a mortgage broker's office or bank and then start drumming up business in areas they don't have a clue about.

Most people go for the sale right away, which is the wrong method.All you're doing is fishing to find qualified prospects. 

Finally, we send Christmas cards and a small present (typically nuts or chocolate) to our tenets for Christmas.

Putting yourself on the hook for unpermitted electrical work is nuts.

But, it is driving me nuts.

In addition to being a pharmacist and aspiring REI, I have a passion for fishing.

This is more about your attitude about life and what you do than the nuts and bolts of your job.

I have had a local TV weather caster and a guy ranked 24th in the country on the BASS fishing tour.

I was going to go to Kamchatka to fish and they fly those old Russian helo's and who knows how much vodka your pilot has consumed.