@Jay Hinrichs@Russell Brazil@Jack B.Whether it's a PhD economist from a great school that gets behind the efficient market theories that drive the Capital Asset Pricing Model, or someone that studies/understands the inevitable irrationality and psychology that drives consumer decision making:One of the basic concepts in economics is the concept of price elasticity. 

As I understand it, the document serves to amend the existing HMDA "made by section 1094 of the Dodd-Frank Wall Street Reform and Consumer Protection Act".I'm curious if investors who purchase and restructure non-performing notes are required to abide by either the current or the new act. 

This is in contrast to the section which talks about consumer checking accounts.Does anyone know of any major bank that will cover a loss due to unauthorized transactions on business checking accounts?

Working full time and doing Real Estate is very time consuming but well worth it.

Here we have two documents that buyers are normally asked to sign.First is the "Massachusetts Mandatory Licensee-Consumer Relationship Disclosure".  

All of that information is publicly available on any consumer website unless you're in a non-disclosure state.

I’m currently reading ABA consumer guide to short sales and am learning a lot.

The number of people I have met through real estate - both consumers and professionals - is crazy looking back through the past couple months.

I realized that I was spending money unnecessarily on consumer goods and services which, ultimately, didn't bring any joy to my life.

Ideally I'd like to see year over year if there are months or seasons that see increases in complaints, higher utilities and so on in order to forecast and eventually prevent time and money consuming issues down the line.I figure that while I'm saving money and hunting for my second deal, I may as well start getting the tools in place that will allow me to be more effective as my portfolio grows.