Get you 'PROOF OF FUNDS' free at DoHardMoney

We know how important these proof letters are to you. You can go to DoHardMoney Proof of Funds. Just proceed through the process and you can print the letter to submit with your offer.

We have used the same proof of funds for years. Banks, Sellers, Agents and everyone in between has seen our Proof of Funds letter and approved it. Any seller is welcome to call us to confirm that we will provide funding. Every time you get a Proof of Funds letter off the web site it updates or system so we are prepared if a Seller or Bank ever calls us.

Our Proof of Funds Verification

We have not had any problems with our Proof of Funds letter. Very few times do the sellers ever contact us. Every time you request a letter it updates our computer system as to the property address and amounts so if the seller calls us we can find your details even if we have never spoken on the phone. Should the seller call we would tell them as long as the property meets our criteria and percentage we will lend then we will be funding the transaction.

We are concerned about the property and not you as the borrower as long as you don`t have any open bankruptcies or bankruptcies discharged in the last 12 months, open unpaid judgments, open unpaid state and/or federal tax liens or other public records that could affect title. You can get a Proof of Funds letter any time day or night. Just go to our web site and you can download the letter. Every time you request a letter it updates our computer system as to the property address and amounts so if the seller calls us we can find your details even if we have never spoken on the phone. You don`t have to call us until you have a property under contract. Everything we do is on our web site, our loan terms, what we charge, what we will lend on and what we won`t and even getting a Proof of Funds letter. There is no need to contact our office via phone UNTIL you have a property under contract. Even then the first step will be to submit your application online. You can see there is no better hard money lender set up for real estate investors

We know how busy real estate investors are. We have set up our company to be tailored to the needs of real estate investors. You can get a Proof of Funds letter any time day or night. Just go to our web site and you can download the letter. Every time you request a letter it updates our computer system as to the property address and amounts so if the seller calls us we can find your details even if we have never spoken on the phone. You don`t have to call us until you have a property under contract. Everything we do is on our web site, our loan terms, what we charge, what we will lend on and what we won`t and even getting a proof of funds. There is no need to contact our office via phone UNTIL you have a property under contract. Even then the first step will be to submit your application online. You can see there is no better hard money lender set up for real estate investors.

A Call to Action to Patriots Everywhere…

“The reduction or elimination of Mortgage Interest Reduction will lead to a depression far more severe than “the Great Depression”

Today is a day you can make your voice heard and it is not only your opportunity but if you believe in freedom it is your obligation. Congress Deficit Commission made a proposal to either limit or eliminate the Mortgage Interest Deduction. Homeowners and Landlords are able to write off or not pay taxes on the amount of money they pay in interest each year on the loans they have on properties.
To help understand the gravity of the situation lets use an example. Let’s take an average family that makes between a combined household income between $15,000 and $68,000. They own an average size home in most areas. For example lets assume their house payment is $12,000 per year. This payment includes Taxes, Insurance, and Principle (paying down what is owed on the loan). We will assume that the Interest is $10,000 per year for the home and the Taxes, Insurance, and Principal are $2,000 annually.
Right now this family is able to deduct $10,000 per year from income taxes because they are paying interest. Congress is recommending that this deduction is eliminated or drastically reduced. That would mean that this family would now have to pay taxes on this $10,000. The tax rate for this family income is 15%. So an additional $1,500 would be paid in taxes, basically this family house payment just went up $100 per month. But it gets worse… If the house hold income is between $68,000 and $137,000 per year the tax rate is 25%. Many of these families have annual house payments around $24,000 per year. If the Mortgage Interest Deduction was eliminated this family would be paying an additional $6,000 per year in taxes or in essence there house payment just went up $500 per month due to the additional tax burden.
Congress is trying to pull the wool over our eyes making you think they are not going to increase taxes but they are going to eliminate a deduction that will automatically make it more expensive for you to own your home or for new homeowners to purchase a home.
Remember the founding fathers of this country revolted when Great Britain started taxing tea, legal business documents stamps, and so forth. This lead to the Boston Tea Party and eventually to our independence as a country.
Lets look at all the effects of this Deduction being eliminated:

1. Essentially every homeowner’s monthly house payment will increase. They will not be paying more to the bank, but they will be paying more in taxes due to not being able to deduct the interest paid on the loan. As we know there are many families that are struggling and barley getting by. An additional $100 to $500 or more a month in “tax” will take many people over the edge and cause more foreclosures and bankruptcies.

2. Decline in House values. If the Deduction is eliminated, homeowners will get foreclosed on not being able to make house payments and there will be more houses on the market which will lead to continue decline in house values.

3. Home buyers will not be able to afford as much. When a buyer looks at monthly payments on a home if the Mortgage Interest Deduction is eliminated the “buying power” of a home buyer will go down substantially. This will do two things: A. It will take many families that were able to purchase properties to no longer able to buy because of the “tax” so it takes them out of the home buying market. B. Families that are able to purchase will have to buy a smaller home because essentially their monthly payment will be more money since they cannot write off the interest on the loan. This will lead to fewer home buyers and people that are able to buy a home will have to purchase homes for much less money due to not being able to write off the interest on the loan.

4. Lenders will have to look at borrowers having to earn more money because they cannot write of the tax. This will lead to less lending on homes due to the ability for borrowers to qualify.

5. Small and Large landlords everywhere are going to get hit with HUG taxes! Think if you where a landlord paying $500,000 on interest expenses a year. This may seem like a lot of money but it is really not. It is a small time landlord that owns around 30 homes. On most of these homes the landlord does not have any profit margin until the home is paid off. So in most cases the landlord is not making any money whatsoever, but he is able to write off the interest so that helps with taxes. If the mortgage deduction is eliminated this Landlord would be paying an additional $175,000 PER YEAR in taxes! Due to not being able deduct the interest. To continue to break-even the Landlord would have to raise rents by $500 per property just to break even and cover the tax.

6. Discouragement of Investments. Property investors will not be interested in investing in property because they don’t have the write off of the Mortgage interest deduction. In addition any current landlords large and small will go into default on their loans due to not being able to cover the payment due to the increased “tax” by not being able to deduct their mortgage interest. This will make the final shoe drop! Property investors are the movers and shakers in the real estate market and could lead to the downturn of these investors completely. This will lead to more Foreclosure, more bankruptcy, and the decline of property values and so on.
I am a Homeowner, Landlord, Realtor, Lender and have over a decade of experience in the real estate market. I have been on the front lines of the housing crisis and I can assure you that the elimination or reduction of mortgage interest deduction will be more devastating to this country than large banks and large companies failing. In fact it may be the very thing that leads this country into a depression much greater than the “great depression!”
Call to Action to homeowners, future homeowners, investors and patriots everywhere… Stand Up and Make your voice heard.
First Find your Senator. This is very easy just go to…

From that Site you can email your Senators directly and call them…PLEASE CALL AND EMAIL THEM.
I have created the email below for you to send directly to your Senator. You have complete permission to copy the below verbage in its absolute entirety. Just find your senator and copy and paste the below message in. I cannot stress the importance of doing this today!

“Dear Senator
I am writing you today to let you know that I absolutely and emphatically am AGAINST the reduction or elimination of the Mortgage Interest Deduction. The reduction or elimination of MID will essentially raise the house payments for hard working Americans everywhere. This will lead to more defaults, more foreclosure, and more decline in property values. There are so many families just trying to get buy and this will have a devastating impact on millions of families. In addition this will impact small and large landlords and there ability to provide rental housing and will disincentives property investors to take risks in purchasing homes.
Please DO NOT support the reduction or elimination of Mortgage Interest Deduction in any form or Fashion!
Your Name”



Do not delay. Take action today, or it may be too late
To Homeowners, Future Homeowners, Real Estate Investors and Patriots everywhere, the future of our country rests in what you choose to do in over the course of the next week. Please make your voice heard today!

Ryan G Wright

Let’s Talk about Proof BABY!!!

So, I’m back. In our last talk, we discussed the process and I briefly touched on our Proof of Funds Letter. Well, I was thinking more on this and I thought, you know, this is such a great thing, we REALLY should talk about it more.

With that in mind, I introduce to you – the proof you are going to give to your sellers, banks, or anyone who wants to know if you have MONEY!!! So, you are asking yourself, how can DoHardMoney, just randomly give me a letter without ever me speaking to them on the phone. Well, when you go on our website requesting a Proof of Funds letter (sometimes you might also have it called a pre-approval letter) it will ask you for your name, your email address, the address of the property, and then an “approximate” loan amount, we don’t ask for a specific amount as most of the time you will want to borrow or get approved for more money anyway and the seller shouldn’t even be concerned about if you are approved for more than what you are offering to them. It will then generate a letter. This information that you have supplied to us, gets stored in a database. If a seller, bank, etc. calls us to confirm that we do indeed have the funds for you as the borrower, we can easily pull up your name and confirm the information. It is as simple as that. You can utilize this tool for as many properties that you have. I think this is unique to DoHardMoney.com, so embrace it.

You see, we don’t make money, unless we can lend money. So, there is no concern that you won’t be approved for a loan; as long as you follow our criteria and if needed provide additional funds, then we can provide the loan. It is up to you whether you want to accept the loan or not.

Our Goal: To help Real Estate Investors make a profit of $26,000,000 by Dec 31, 2012

Keep an eye on it, it is moving, and I want you to be a part of it.

Last Mogul Field

Once the second jump is done there is still a mogul field that cannot be overlooked. You can see the finish line right ahead but if you focus too much on the finish you will hit a Volkswagen size hump and fall over. This will ruin your chances of a finish let alone the hopes for a medal. This last mogul field is overlooked because it is a bit smaller than the others but it’s important – it will make or break the race.

This last mogul field for a real estate investor is finding the buyer. In reality if you have done everything else right up to this point finding the buyer should not be too difficult don’t spend the money until you have it in your hand. My philosophy is very simple. A. Be the 3% under the other comparable homes in the area B. List with a quality agent and don’t skimp on the Buyer agent commission. I would get a discount from the seller’s agent but make sure the buyer’s agent gets a full 3% commission. Make sure to put in your contract the amount that the buyer’s agent will receive. Most contracts just state the total commission that is paid. Create an addendum to the listing contract that shows exactly how much the buyer’s agent and seller’s agent will receive C. Have the house better than everyone elses. I don’t care what market you are in, if you are the lowest price house and the nicest home in the area you will sell, fast. That is the key. Sell Fast and get on to the next deal. There is a cost to hold the property, not just the cost of your money, but there is an opportunity cost on the next deal that you may miss, or something else you can do with the money. Holding the property also comes with risks. Too many investors think you can always start high and come down over time. This is stupid! Price for what the property is going to sell for. Too many investors think that some idiot from another state (like California) is going to come and pay more than what the property is worth. Price the property for what it is worth and then discount it 3% and you will have buyers coming. In some cases you will get more than the asking price because you may end up with multi offers. Yes you heard me right multi offers in this market place. The key is if you are the best home at the best price people will fight over it.

The Last Mogul field is easy if you have the right strategy and you don’t plan on a Jet engine to push you faster to the finish or plan on some idiot to over pay for your property.

Jump To Last Impression

The second jump is the last chance for the medal contender to make up for lost time by getting some distance or by throwing down a serious trick for some added points. Having a good knowledge of the race you have ran so far and how well you landed your first trick will help you.

Your Rehab needs to give people a reason to STOP the car. I used to think that outside landscaping did not sell a house. Boy was I wrong. If people don’t like the outside you will never get them in the inside. Now don’t overdue it! Again look around the neighborhood. You only need to be the same or a little better than you neighbor. I make up for this by doing little or nothing in the back yard. If they like the front yard and they like the inside they can do their own work to the back yard. You have to know when to throw down a serious trick and when to just go for the speed. This is a serious judgment call that can not be overlooked.

You don’t have a second chance to make a first impression. As a real estate investor you have to look at homes the way buyers do. Buyers are looking for the best home, for the lowest price in an area they are happy with. Although you may not think that you are in competition with homes in other areas you are wrong. Buyers are thinking am I willing to drive an extra 15 minutes to work if I can have double the size home? Or would we rather be in the city and have a smaller home but no commute. In being successful you need to look at what buyers are looking for in a home. Simply, you need to be the nicest home with the lowest price in your area and the home will sell. Homes sell every day and your home will sell if it is the lowest home and in the best condition.

Choose your Trick Wisely

Air only counts for 25% of your score. So if you do too big of a trick and don’t land it then you lose. It is really that simple, and really that harsh. However if you don’t do a decent trick you can lose it as well. Choosing the right trick based upon your situation, the conditions, what the other competitors are doing is essential to being a successful Mogul Free Style Skier.

We see too many real estate investors fixing up homes as if they want to live in the home. Meaning they make changes to the home as if they are the owner. Making things to personalised, doing dark accent walls that some people may like and others may hate. Or doing cabinet and counter top choices that some people will love and others will hate.

You need to pick your tricks wisely. When completing a rehab and retail we frequently see too many people doing too much to the property. When you put a property under contract go look at some of the homes that are currently on the market on the same street. With those homes you will know if Granite counter tops are standard in the area or if you can just use laminate. You will know if you have to get upgraded appliances or if lower end appliances or even used appliances will work and many many more. I recommend that you do what is standard in the area and then I like to throw in a little something extra. For example if every home in the area has vinyl floors I like to do tile in the kitchen, or maybe do nicer carpet than everything else in the area. So for each house I recommend that you do something to bring some sizzle than all the other homes.

The Key is to have your home the nicest. I think this is accomplished by having new carpet, new paint, and everything clean and working and then to add a little sizzle, one thing that you do extra to spice up the home. Choose your tricks wisely; if you over do it you lose, if you don’t do enough you lose. Knowing the other homes for sale will tell you what you are competing with. If you know what tricks your competitors are throwing in you will know what type of tricks you need to do to win the Gold!

Find Your Line!

Continuing on our Olympics of Real Estate Investing. When a Mogul contender heads down the course they are constantly having to choose a line to follow. This is impacted by visual conditions sun, wind, snow, lighting at nights. With each bump they have to be looking forward to what the next line is.

We find so many real estate investors that don’t have a plan before they get started with the property. They find a property that may even be a good deal but they don’t find their line. We have even seen real estate investors that have found a good deal that they really could of made profit with but they end up breaking even or even losing money. Why you ask? Because they never found their line.

When you are doing a rehab and retail before you are done with your due diligence, or even before you make an offer on the property you need to know A. Exactly what work you are going to do to the property B. Exactly how much the work is going to cost C. Who is going to be doing the work D. How long it will take to get the work done to the property.

No Olympic Mogul ski is going to Guess on their line. They are going to have a defined line for the first few turns before they even leave the gate. Don’t guess on repair costs, even if you have experience with repairs get the guys out that are going to be doing the work. Get firm prices from everyone that will be involved. I like to do this once I get a property under contract. We typically ask for a 48 hour time to inspect the property. During this time we set a meeting for every person that will be doing work on the property to meet at the same time. So the Flooring guy, the cabinet guy, the painter, the handyman, electrican or plumber if needed all show up at the house and look at everything and give us a price on the spot. This cuts down on back and forth of conversations and makes everything efficient. The bird dogger we buy properties from likes this as well because they know we don’t drag out the situation forever, they know that in 24 hours or 48 at most my earnest money goes hard.

Find your line by knowing what your cost will be before you leave the gate.

Point Your Ski Tips Down!

Continuing on our Olympics of Real Estate Investing, Judges look for you to always have your ski tips pointed down. Why? It is less about the form as it is showing the quality of the technique and also the courage to take on controlled risks. This creates a lot of speed that has to be controlled. We watched several of the U.S. Free Style contenders go out of control last week and not get a score. Don’t let the speed increase more than you can handle.

As a real estate investor this means not to take on more than you are able to handle. I am really, really good at homes under $150,000 in a certain area of town. Really good. Any time I go out of that area I get an education that I don’t want. When I say I get an education I mean it costs me time and money. Kind of like going to college. I would rather make money then go back to college. I did not particularly like hard seats and boring professors.

Knowing how to point your real estate ski tips in the right direction will make you successful as a real estate investor. Keeping your turns under control and not getting out of the speed you are able to handle. There is such an allure for higher priced homes. Many investors think that homes in the million dollar range have so much profit potential. What many investors don’t realize is that with great profit comes great risk. The higher the price the higher the risk, if you think about it, what does a 1.2 million dollar home have that a 1 million dollar home does not? The answer is simple, it is up to interpretation. Now let’s take the same example. What is the difference between a $150,000 home and a $180,000 home? That answer is A LOT. Typically a different neighborhood, different quality of work, size, garage and many, many other things!

It is also important to think about how many buyers are in that price range. The higher the price range the fewer the buyers pool there is. Meaning if there are 10 potential buyers for a million dollar home there is 100 potential buyers for the $150,000 home. This drastically increases your speed and price of getting your home sold.

Keep Your Ski Tips Down!

Urgent Action Needed by Today!

I hate to stop our Olympics of Real Estate investing post, but there is need for action to be taken today!

The Government is trying to stop seller finance of any kind unless the property is owner occupied or if the person is a licensed loan officer. I think you can see how this will effect you as a real estate investor.

Let your voice be heard. This has to be done today if you want to help stop this action from being taken. Go to

http://www.regulations.gov/search/Regs/home.html#documentDetail?R=0900006480a6b033

Click on the Submit comment that is below; right above the new proposed HUD Rule. Then you can submit a comment. Some things to consider would be:

• Bank loans are not available on some types of properties
• The tight lending climate has made bank financing “out of reach” for many
• Seller financing is an “age old” tradition based on private property rights
• These rules would prohibit even partial seller financing – i.e. a “seller second”
• According to HUD’s “Residential Finance Survey” in 2001, roughly 40% of all non-farm residential properties in the U.S. are owned free and clear
• An estimated 6 million Americans own a property other than their own primary residence
• An estimated 4.5% of Americans own three or more properties, many purchased solely as investment properties
• 40% of non-owner occupied residences are mobile homes which are more difficult to sell with bank financing
• Approximately 5% of homes in US are for sale or for lease…seller financing may be key to liquidating this inventory

As you know this would have a serious impact on real estate investors. Please Log on today and stop this ridiculous action.

Tomorrow I will be back the Olympic of Real Estate Investing.

The Olympics and Real Estate Investing

I love the Olympics. There is something about watching professionals who have prepared their mind, body and heart to compete against the world for the greatest sport medal of all time – the gold medal. I can only imagine what it would be like to be on that stage to perform for the world. Yesterday I was touched when Alexandre Biodeau won the first ever gold Medal for Canada on their home soil. Don’t get me wrong I am all American and was happy that USA’s Bryon Wilson did not get knocked out of his Bronze Medal seat when the last contender took his place at the top of the run. Every time I watch the Moguls I remember my great friend Burke Alder that was a contender for the 2002 Winter Olympic Games in his home town of Salt Lake City. He was on the US Ski team and was going to be a contender for an Olympic spot. Several months before the Olympics in nationals he blew out his knee and his Olympic hopes where taken over night. As I watched these Amazing Mogul Freestyle Athletes yesterday I also thought about real estate investing and free style skiing. What can we learn from Freestyle Skiers that may help us as real estate investors? If you think I am being too cliche or fake you don’t know me very well. I learn from everything and I mean everything. I also compare anything of value to my life and in doing this I found some very cool parallels of Mogul Free Style Skiing and Real Estate Investing. I look forward to sharing these with you over this week. They include the following:

Be Prepared

Point Your Ski Tips Down

Find Your Line

Choose Your Trick Wisely

Time Counts

Jump To Last Impression

Last Mogul Field

Celebrate

1. Be prepared. You can’t stand at the top of the Olympic Mogul Ski Run without having some serious preparation. The number one problem we see with real estate investors is they have no idea what a property is worth. Over 75% of people we talk to are off on their value of what they think the property is worth and what we KNOW the property is worth. Don’t take the word of one person on what the property will sell for especially if the person is the seller or getting paid as a part of the transition, even if they are representing you. It is interesting when we have our independent evaluators look at a property and determine a value. When we go back to the borrower and let them know what the values came in at, so many borrowers want to “fight the value”. You have to be kidding me. If two independent evaluators go to a property with no judgment and get paid to determine what the home will sale for, that is pretty unbiased. Let me give you an example. Last week we had two evaluations that came in. One was at $145,000 and the other was at $148,000. So the two evaluators that live in the area, that have no motivation other than getting paid to give a value on the property, that do not even know each other, come within $3,000 of each other on the price. We then told the borrower and the borrower thought they were wrong and wanted to challenge the value. Hello, Wake Up! We just saved you from a serious train wreck. We don’t turn down deals because of value we just require the borrower brings in the difference between what we can lend on the property and what they are buying the home for. But don’t get so emotional on a deal that you can’t see reality.

The Truth is that Markets go down and Markets go up. I just want the markets to move, because movement creates opportunity.

FHA Changes Helps Investors!

FHA has announced changes of what has been know as the FHA 90 Day Rule. Basically FHA would require that an owner has been on title for 90 days prior to a new buyer being able to purchase the property with an FHA loan. HUD announced a temporary waiver to lift these restrictions for the next 90. These changes go into effect February 1, 2010. This Change will expedite Rehab and Retail transactions on foreclosure properties. Over the next weeks we will help you understand how this new change can help you as a real estate investor.

The Truth is that Markets go down and Markets go up. I just want the markets to move, because movement creates opportunity

How Real Estate Investors are Helping the Economy Part 11

11. New Buyer

The new buyers are getting a fixed up home in most cases for less money than the property that is average condition. The Real Estate investors need to sell the property quickly due to the high interest rate being paid and so in most cases they discount the price of the home to get it sold quickly. So the new buyer is able to get a home that is practically new inside at a very low price.

Our Borrowers are taking a problem in society and making it something worthwhile. In doing this We are Changing the World.

The Truth is that Markets go down and Markets go up. I just want the markets to move, because movement creates opportunity

How Real Estate Investors are Helping the Economy Part 9

9. Real Estate Agents

The local buyers and sellers agent will get a commission upon the sell of the property. Again, this money will be in turn spent by the local agents in the market place that will help local business in the area increase their revenue and continue to employ wage earners.

The Truth is that Markets go down and Markets go up. I just want the markets to move, because movement creates opportunity<--->

How Real Estate Investors are Helping the Economy Part 8

8. State Taxes

As items are purchased in many states a sales taxes is charged and bring in much needed revenue to the states. Many states are running a deficit and are in need of funds. With each purchase the state is able to get a benefit that helps their growing budget concerns.

The Truth is that Markets go down and Markets go up. I just want the markets to move, because movement creates opportunity<--->

How Real Estate Investors are Helping the Economy Part 7

7. Community Tax Basis

If a home is in financial problems or if it is owned by a bank many times the property taxes will go delinquent; thus putting strain on the local economy, the funding for schools, police, fire department and many other much needed public services. By having properties owned by a responsible party, taxes are paid and funds are put back into the local economy.

The Truth is that Markets go down and Markets go up. I just want the markets to move, because movement creates opportunity<--->

How Real Estate Investors are Helping the Economy Part 6

6. Neighborhood

The value of a home is only as good as the value of the surrounding homes. Thus, when a home goes into financial problems as well as in disrepair it not only hurts the value of that property but it also hurts the value of the surrounding homes. As Investors remodel the property they are increasing not only the value of the subject home but they are also increasing the value of the surrounding homes. This helps the Neighborhood as a whole.

The Truth is that Markets go down and Markets go up. I just want the markets to move, because movement creates opportunity<--->

How Real Estate Investors are Helping the Economy Part 5

5. National Supply Companies

When a property is remodeled there is carpet ordered, paint ordered and many fixtures needed. Most companies providing these items are national and most of them are in very bad financial shape and every dollar brought in is a major success and also helps these national companies and the people they employee and their families.

The Truth is that Markets go down and Markets go up. I just want the markets to move, because movement creates opportunity<--->

How Real Estate Investors are Helping the Economy Part 5

5. National Supply Companies

When a property is remodeled there is carpet ordered, paint ordered and many fixtures needed. Most companies providing these items are national and most of them are in very bad financial shape and every dollar brought in is a major success and also helps these national companies and the people they employee and their families.

The Truth is that Markets go down and Markets go up. I just want the markets to move, because movement creates opportunity<--->

How Real Estate Investors are Helping the Economy Part 4

4. Local Contractors and Handymen

In the current marketplace most contractors and handymen are simply out of work. There was so much building happening that there was more and more Contractors entering the workforce. All of that came to a drastic stop and now there are a lot of these well skilled Contractors and Handymen out of work. These people are not able to feed their families and are in grave need of work. The purchase by an investor provides work for these people that is greatly needed. Again these contractors and handymen now have more funds so they can spend money in the community that helps stimulate the economy.

The Truth is that Markets go down and Markets go up. I just want the markets to move, because movement creates opportunity<--->

How Real Estate Investors are Helping the Economy Part 3

3. Insurance Agent and National Company

The local agent is able to make a commission off the insurance and it is also giving funding to insurance companies that is actually being paid and helping to keep the insurance companies in good financial standing.

The Truth is that Markets go down and Markets go up. I just want the markets to move, because movement creates opportunity<--->