Friday, July 10, 2015

Easy Guide To Read A Credit Report

Personal Information

This shows where a person lived when they applied for credit.  This will not show everywhere a person has lived.
Employment Information
This shows where a person worked when they applied for credit. This will not show everywhere a person has lived.
Report Summary
This area of the report shows the number of 30, 60, and 90 day late payments a person has had.  This section also shows credit limits and the amount of debt a person has.
Scorecards
This is where you see a person’s credit score.  This shows what type of a credit risk a person poses to a potential creditor.  Here is a simple break down:
550 and below is poor
600 to 650 is fair
651 to 700 is good
701 to 750 is great
750 plus is excellent
Collections
This section shows which accounts have gone to collections.   You can view the amount and if they have been satisfied.
Public Records
This area shows bankruptcies, liens, judgments, and evictions.
Trade Lines
This gives a detailed account of extended credit.
Inquiries
This lists out inquiries into a person’s credit.
If you need to screen another tenant, click here

Illegal Discrimination Quiz

Take this short illegal discrimination quiz.  See if you are inadvertently discriminating.

Have you ever done the following?
  1. Told an applicant there is not an opening because you did not want to rent to that person, when there really is an opening.
  2. Advertised in such a manner that indicates a preference base on group characteristics, such as skin color or sex.
  3. Set restrictive standards for certain applicants and not others, such as higher income.
  4. Refusing to reasonably accommodate the needs of disabled clients, such as hearing dog, sight dog, or other service animals
  5. Had different sets of late payment penalties for different tenants.
The Fair Housing Acts prohibit landlords from taking any of the above actions based on race, religion, or any other protected category:


Consistently using a standard application can protect you from costly lawsuits.

Using Renting Authority’s rental application and tenant screening process will help you avoid discrimination lawsuits.  They are a great tool that you now have access to.


 
Sincerely,
Troy Boldt
888-674-9181

Is the lease agreement really that important?

Yes, the rental lease agreement is the single most important legal document you have to protect yourself and the tenant.  If it’s not in writing, it just doesn’t count.  A handshake is difficult to enforce.

I get calls daily from landlords telling me of issues with their tenants.  They say the tenant is doing this or that, and want to know if it’s grounds for eviction.  I always ask them is that issue covered in your lease agreement.
Your lease should spell out terms and conditions clearly for both parties to understand.
Let me show you some of the must have points in your rental lease agreement. 
  1. Abandonment: Landlord remedies when Tenant abandons the premises.
  2. Alterations & Repairs: Rules governing Tenant alteration of the premises.
  3. Assignment and Sub-letting: Terms of leases often apply to the sub-lessees.
  4. Default / Breach: Remedies for tenant breach, including failure to pay rent.
  5. Inspection & Landlord Access: When, and how, landlords may enter the premises.
  6. Lawful Use of Premises: Tenant’s right to possession and its limits.
  7. Lead Paint Disclosures (42 U.S.C. § 4852d) Each state-specific residential lease agreement also contains federal lead hazard disclosure statements as required by 42 U.S.C. § 4852d. For a free EPA pamphlet, please visit http://www.hud.gov/offices/lead/disclosurerule/
  8. Maintenance: Who is responsible and how maintenance is defined.
  9. Parking: Included or not?
  10. Rent & Late Fees: When, and how, to collect late fees.
  11. Security Deposit: Legal maximums and number of days to return to Tenant.
  12. Tenant Hold Over: Landlord remedies for unlawful retainer.
  13. Termination of Tenancy: Notice required varies from state to state.
  14. Utilities: Who must pay to keep the lights on?
  15. Surrender of Premises: How and when Tenants give up occupancy.
Once difficult, now easy. Create your own rental lease agreement
It’s easy to create your own rental lease agreement with Renting Authority. 
Click the link below and follow the simple step by step process. It is stored online for future reference and you can edit it too.www.rentingauthority.com/lease/lease.php
If you need help, you can always call or use the online chat line.  I want to show you how easy it is to create a customized lease.  If you will let me.
Click here to start the process https://www.rentingauthority.com/lease/lease.php
View a sample lease at www.RentingAuthority.com under Rule Number 4
Here are a few of the additional features of Renting Authority’s rental lease agreement
  1.  Rent/lease apartments, condos, basements, houses, etc.
  2.  Select various fixed and periodic terms
  3.  Choose number of tenants
  4.  Flexibility with utilities, pets, insurance, parking, rent increases, signing incentives, rent to own, maintenance, and tenant improvements
To your success,
Troy Boldt

How To Email A Rental Application

We have made the procces of emailing a rental application very simple.  You don’t need to cut and copy and attach.

Here is what you do need to do.
Need to registered. (registration is free and simple) If you are not a registered member, go to www.rentingauthority.com and click on Free Rental Application (under Rule 1).  In the white box click on email rental application.  Follow the step by step instructions to register and customize your rental application.
Already registered: If you are a member, go to www.toolbox.rentingauthority.com and log in.  Click on email application under the heading Screen Applicant.
Fill in the applicants email address, Click send.  You and the applicant both receive a copy of the email.
The applicant clicks on a link inside the email and fills out the application.  The applicant also pays a $24.95 processing fee which covers your costs of running a background and credit check.
The Results:  You receive a rental application, background and credit reports on an applicant.  The reports and application are stored for you online at www.toolbox.rentingauthority.com.   You can review them and then accept or deny the applicant.
Emailing the application really is simple.  If you ever need any assistance, call or get our online support.
Thanks,
Troy

Applicant Warning Signs

This week I had some great conversations with many of you.  A couple of issues were brought up that you should all know about.


Issue #1
The applicant doesn’t want me to run his credit because he doesn’t want his credit score affected. What should I do?
When you as a landlord check a person’s credit, it is called a soft hit on their credit.  This means it will only stay on their credit report for 2 to 3 months.  Their credit score will not be affected long term when you check their credit.
I have found often that a person who does not want you to check their credit has credit issues that they are hiding from.  You need to establish your own rule that you check everyone’s credit. 
Another thing to consider is if an applicant is trying to dictate how you run your business now, they will continue to cause you issues in the future.

Issue #2

My tenant wants to pay cash.  What should I do?Cash is king, but not in the landlord business.  This is big red flag. Why? People often want to pay cash because they do not have a checking account and they have money gotten from illegal means.  Drug dealers are some of the biggest offenders of this.  Now this does not mean that everyone who wants to pay with cash is doing something illegal nor is a drug dealer.  It is better to be safe that sorry.
Last week I received an email from a landlord who rented to a person who seemed to be a great applicant and wanted to only pay in cash.  The tenant paid the deposit and first month’s rent in cash.  That was all he ever paid.  The landlord is now going through the eviction process.

In summary, screen your applicants and don’t take cash.

Screen Applicants like a Crime Scene Investigator

You are so excited, someone finally filled out a rental application.  You look at the credit report and the credit is score is between 540 and 580.  Your hopes drop.  They seem like nice people who have had a bit of bad luck and need a second chance.  Well, if that sounds familiar, you need to put on your detective hat, gloves, grab your blue light and start investigating.

Let’s investigate three common factors that affect a person’s credit.  I’ll set the crime scene (credit factors), give some clues and help you draw conclusions.
1.         Crimes Scene: Credit cardsClues:  If a person does not have any open credit lines within the past 6 months, the credit bureaus will not give a score.  If a person’s credit card carries a balance of 50% or more than the card’s limit, the score can go down by as much as 40 points.
I’ve unknowingly done that and my credit dropped drastically.  I paid the card off and my credit shot up. 
2.Some people are very responsible paying their bills, have little to no lates but still have a low credit score.  High credit card balances is often the reason.
A person with a lot of open credit cards also can negatively affect his or hers credit.  Keep the number of credit cards you use to a minimal.  Too much open credit is viewed negatively, because a person can get into debt very quickly.

Conclusions
:  Verify the applicant has enough income to cover all of their bills and rent.  Ask to see a pay stub, call and talk with their employers.  Renting Authority can call and verify employment if you don’t want to hassle with it.
3.     Crime Scene: Medical IssuesClues:  Medical bills can become uncontrollable for most anyone.  Even if you have good insurance, some treatments and emergencies can make most people go broke.  I have a brother who lost two sons in the past 14 month to cancer.  Beside the grief from losing two children, the bills are outrageous.

Conclusion
:  Is this still a credit worthy person to rent to?
Look at the dates on the credit report where medical collections show.  Most medical issues I have seen cover a 6 month to 2 yr time period.  You may notice there are lots of lates in this same time period.  If after this time period you do not see lates, other collections, then the person is onto credit recovery.  This may be a good tenant.

3.         Crimes Scene: 
 Charge offs, Bankruptciesand LiensClues:  Public record information gives a lot of clues about a person’s credit worthiness.  I think we all agree that charge offs, bankruptcies, foreclosures and liens are bad.  None of us want them.  However, (and this is a big however), sometimes they really help a person’s credit in the long run.

Conclusion:  
Charge offs are classified as satisfied and or open.  If it is satisfied, it means that a person paid off the debt even after a business wrote it off.  A person who satisfies a charge off shows character.  This is a person who cares about paying of their obligations. They are more likely to pay their rent. The same is true for liens.

Bankruptcies
 can help a person get out from under a financially difficult and oppressive situation.   Bankruptcies definitely hurt a person’s credit.  And it shows up for 7 yrs.
Clues:  The good in bankruptcies is it gives a person a second chance to rebuild their credit.  Look at the date of the bankruptcy and see if there have been other negative credit issues after that date.
Conclusion:  If everything is positive after the bankruptcy, the person is probably a good risk.  I have seen credit scores in the high 600s and low 700s with a bankruptcy in the past 3 yrs.
A good forensic investigation yields good tenants.  If you need help understanding a person’s credit, please call or write.  I am always glad to help.
Thanks,
Troy
888-674-9181
tboldt@RentingAuthority.com
www.RentingAuthority.com

“Should I rent to someone with a foreclosure?”

Answer: probably not.

 Please be aware that I am sensitive to anyone who is going through a foreclosure.  I am giving this advice from the vantage point of a real estate investor.

Foreclosed applicants on average have a 24% lower credit scores.  They also have four times as many 30 or more day delinquents or derogatory.

What that means, is history has a way of repeating itself.  A person is who is foreclosed on, has a poor history of paying obligations on time.  Do you really want to risk your investment to someone like that? Take the chance that they will not pay or pay late?  Evictions are not a fun ordeal.

It’s not only tempting, but some times feels necessary to fill a vacancy quickly.  Never let your feelings of disparity cause you to give up your standards.  Create your standards for tenant screening and stick to them. 

Hint on tenant screening.  Renting Authority provides a free Applicant Rating Report with every credit report.  Use the drop down menu next to the credit score and select the “Applicant Rating Report.”  This report shows you how an applicant compares to other applicants across the country.

Please contact me with any questions regarding this topic.
Thanks,
Troy
888-674-9181

Why Successful Landlords do Rental History Verification

Rental history verification is an extremely important step in the tenant screening process.  If a person has been a good renter in the past, chances are they will continue this pattern.  The reverse is also true.


Rental history verification is very straight forward.
  You want to speak with the past landlord and find out what type of a tenant the applicant has been.

Ask the following questions:
*Length of time rented?
*Did any problems occur while renting?  If yes explain
*How many times were they late paying rent?
*Do they know why person is leaving?
*Do they have pets?
*Are they breaking the lease?
*Would you rent to them again?
 Make sure you do good rental history verification. 
If you do not have the time to do it yourself, Renting Authority can help you. 
Select background and credit reports. 
Click the boxes for employment and rental verification, fill in the needed information and we take care of the rest.
You will get your verification reports in 24-48hrs.
 The Cost is only $6 for Employment and $6 for Rental History verification or $4 each for Monthly Members.  If you have any questions, please email or call.
Next week I will give you some tips on how to do rental history verification.
Visit our new site at www.RentingAuthority.com

Recently, your report revealed a sexual offender

Hello, Troy.


My name is Leo, and I run a residential apartment building in LubbockTX.

I’m sending you this email to show my appreciation for your excellent screening service.
Your reports are very promptly generated, and they contain very accurate data regarding applicants’ backgrounds.

But that’s not the only reason for this email today.
Recently, your report revealed a sexual offender that came to me to apply for an apartment unit, so I was able to deny his qualifications based on that information.

Although I believe everyone has his/her story, a sexual offender is definitely not good for the business and is probably too much of a risk for me and the neighbors to have live in my property.

So, thank you, Troy, for providing this excellent service.
Keep up the excellent work!

Best Regards,
- Leo -
LubbockTX

Your tenant might be a redneck if…

Every week I am flooded with hundreds of emails.  This is one I received last week that really stands out. 

  
Hi, Troy
I just rented my home to a couple on August 1, 2008.  I do not want to cause any trouble so early in the rental becuase they seem to be good tenants.
I found out last week that they put up a two-seater tree stand to hunt deer.  I do not want them to hunt on the property.  It does not state in the rental agreement as such because no one has ever hunted deer on the property.

 I called and told them I will not allow any hunting.  They said they would remove the tree stand to the neighbor’s property.  My lot is only 80 feet wide.  Other neighbors do not allow hunting either.

In the State of Ohio, they have to have written permission to hunt which I will not give them.

How can I get this resolved in a legal manner without causing hard feelings?  Also can I revise my rental agreement to state that no hunting is allowed?

Any insight you can give me on this issue would be greatly appreciated.

Thank you,
J.B.

I think if Jeff Foxworthy read this email, he would say.  If your tenant has a two-seater tree stand in the backyard to hunt deer, he might be a redneck.

All jokes aside, there are three issues to deal with here.
  1. The lease
  2. Safety
  3. Liability
A lease can always be altered and resigned at anytime.  The catch is the tenant must agree to sign a new lease and any new provisions in the lease agreement.

Safety of the tenants and neighbors is always a good landlord’s concern.  I don’t think any of you want someone injured on your property or by one of your tenants.  Landlords need to provide a safe environment for the tenant.

Liability issues have kept thousands of landlords awake at night.  If there is someone injured on your property or by your tenant are you liable?  Very possible.  Our courts and attorneys will ultimately decide on that.

How do you solve the hunting issue?

If gentle persuasion does not work, you need to get tough with the tenant.  Most leases have a clause stating that illegal activities are grounds for eviction.  Hunting without permission is illegal.  You may have to evict the tenant. Contact a local attorney when you feel the tenants are not responding.

Most landlords will never have a hunting issue to deal with.  But the principles here can be applied to any activity that is illegal or threatens the safety of others.

Git-r done,
Troy

P.S.  We all need a little laughter in our lives.  I found a funny commercial from X Box 360 on www.youtube.com.  Don’t click on this if you don’t want a laugh or are offended by redneck humor.  Please remember, this is an advertisement only. It is not reality.

10 Inexpensive Ways to Spruce Up Your Rental or Rehab Property


It’s easy to fix up your properties if you have unlimited cash. However, you need to keep your repairs to a minimum to stay profitable. You also need to keep your properties in good shape to attract tenants or buyers. There are the basic improvements, such as carpet and paint, but these can still costs thousands of dollars. The following are some inexpensive ways to improve your properties with very little cash.
#1) New Electrical Switch Plates

This is such a minor, yet overlooked improvement. Most rental owners and rehabbers paint a unit and leave the old, ugly switch plates. Even worse, some even paint over them.New switch plates cost about 50 cents each. You can replace the entire house with new switch plates for about $20. For the foyer, living room and other obvious areas, spring for nice brass plates. They run about $5 each – not much for added class.

#2) New or Improved Doors

Another overlooked, yet cheap replacement item is doors. If you have ugly brown doors, replace them with nice white doors (you can paint them, but unless you have a spray gun it will take you three coats by hand).The basic hollow-core door is about $20. It comes pre-primed and pre-hung. For about $10 more, you can buy stylish six-panel doors. If you are doing a rehab, the extra $10 per door is well worth-it. For rentals, consider at least changing the downstairs doors.

#3) New Door Handles

In addition to changing doors, consider changing the handles. An old door handle (especially with crusted paint on it) looks drab. For about $10, you can replace them with new brass finished handles. Replace the guest bathroom and bedroom door handles with the fancy “S” handles (about $20 each).
#4) Paint/Replace Trim

If the entire interior of the house does not need a paint job, consider painting the trim. New, modern custom homes typically come with beige or off-white walls and bright-white trim. Use a semi-gloss bright white on all the trim in your houses.If the floor trim is worn, cracked or just plain ugly, replace it! Home Depot carries a new foam trim that is pre-painted in several finishes and costs less than 50 cents per linear foot. Create a great first impression by adding crown molding in the entry way and living room.

#5) New Front Door

You only get one chance to make a first impression. A cheap front door makes a house look cheap. An old front door makes a house look old. If you have nice heavy door, paint it a bold color using a high-gloss paint. If your front door is old, consider replacing it with a new, stylish door. For about $125, you can buy a very nice door.
#6) Tile Foyer Entry

After the front door, your next first impression is the foyer area. Most rental property foyers are graced with linoleum floors. Consider a nice 12″ Mexican tile. An 8′ x 8′ area should cost about $100 in materials.
#7) New Shower Curtains

It amazes me that many landlords and sellers show properties with either no shower curtain or any ugly old shower curtain in the bathroom. Don’t be cheap – drop $40 and buy a nice new rod and fancy curtain.
#8) Paint Kitchen Cabinets

Replacing kitchen cabinets is expensive, but painting them is cheap. If you have old 1970′s style wooden cabinets in a lovely dark brown shade, paint them. Use a semi-gloss white and finish them with colorful plastic knobs. No need to paint the inside of them (unless you own a spray gun), since you are only trying to make an impression.Americans spend 99% of their time in the kitchen (when they are not watching TV). A fancy modern faucet looks great in the kitchen. They can run as much as $150, but not to worry – most retailers (Home Depot, Home Base, etc) often run clearance sales on overstocked and discontinued models. I have found nice Delta and Price Pfister faucets for about $60 on sale.

#9) Add Window Shutters

If you have ugly aluminum framed windows, consider adding wooden shutters outside. They come pre-primed at most hardware retailers and are easy to install. Paint them an offset color from the outside of the house – (e.g., if the house is dark, paint the shutters white. If the house is light, paint them green, blue, etc.).
#10) Add a Nice Mailbox
Everyone on the block has the same black mailbox. Stand out. Be bold. For about $35 you can buy a nice colorful mailbox. For about $60 more, you can buy a nice wooden post for it. People notice these things….and they like them!


Landlord Extorted for $12,000

Landlord Extorted for $12,000


Consistently using a standard application can protect you from costly lawsuits. Let me give you an example why. Let’s say you need to rent an apartment. You have 5 individuals come by and look at the apartment. You choose applicant number four. It sounds like he has a great job and is clean cut. A few weeks later you get a phone call from applicant #2′s attorney. He claims that you discriminated against his client because she is a Mexican and has two children. The lawyer goes on to state that he will settle for $12,000 or he will take it to federal court and sue you for $55,000.
    Unfortunately, you have no documentation from the applicants. You have nothing standardized like an application or credit and background report to support your decision. The attorney knows this and knows he can win a settlement.
    Your insurance company will settle for $12,000 because they know the expense of going to court and the probability of loosing. They know you have no documentation and are very exposed. If you really want to protect yourself, please do the following.
    Using a standard application and running a background and credit check for all prospective tenants can greatly help limit discrimination lawsuits. Lawsuits are very expensive and time consuming. Store the application, either electronically, or a hard copy in a secure filing cabinet. Run a background and credit check


Who wants to get sued? None of us, so please take every precaution. Prevention is the best medicine.

Have a great day,

Troy Boldt  

Is the lease agreement really that important?

Yes, the rental lease agreement is the single most important legal document you have to protect yourself and the tenant.  If it’s not in writing, it just doesn’t count.  A handshake is difficult to enforce.

I get calls daily from landlords telling me of issues with their tenants.  They say the tenant is doing this or that, and want to know if it’s grounds for eviction.  I always ask them is that issue covered in your lease agreement.
Your lease should spell out terms and conditions clearly for both parties to understand.
Let me show you some of the must have points in your rental lease agreement.
  • Abandonment: Landlord remedies when Tenant abandons the premises.
  • Alterations & Repairs: Rules governing Tenant alteration of the premises.
  • Assignment and Sub-letting: Terms of leases often apply to the sub-lessees.
  • Default / Breach: Remedies for tenant breach, including failure to pay rent.
  • Inspection & Landlord Access: When, and how, landlords may enter the premises.
  • Lawful Use of Premises: Tenant’s right to possession and its limits.
  • Lead Paint Disclosures (42 U.S.C. § 4852d) Each state-specific residential lease agreement also contains federal lead hazard disclosure statements as required by 42 U.S.C. § 4852d. For a free EPA pamphlet, please visit http://www.hud.gov/offices/lead/disclosurerule/
  • Maintenance: Who is responsible and how maintenance is defined.
  • Parking: Included or not?
  • Rent & Late Fees: When, and how, to collect late fees.
  • Security Deposit: Legal maximums and number of days to return to Tenant.
  • Tenant Hold Over: Landlord remedies for unlawful retainer.
  • Termination of Tenancy: Notice required varies from state to state.
  • Utilities: Who must pay to keep the lights on?
  • Surrender of Premises: How and when Tenants give up occupancy.

Once difficult, now easy. Create your own rental lease agreement
It’s easy to create your own rental lease agreement with Renting Authority.

Click the link below and follow the simple step by step process. It is stored online for future reference and you canedit it too. www.rentingauthority.com/lease/lease.php
If you need help, you can always call or use the online chat line.  I want to show you how easy it is to create a customized lease.  If you will let me.
Click here to start the process https://www.rentingauthority.com/lease/lease.php
View a sample lease at www.RentingAuthority.com under Rule Number 4
Here are a few of the additional features of Renting Authority’s rental lease agreement
  •  Rent/lease apartments, condos, basements, houses, etc.
  • Select various fixed and periodic terms
  • Choose number of tenants
  • Flexibility with utilities, pets, insurance, parking, rent increases, signing incentives, rent to own, maintenance, and tenant improvements
Log into your account and see what’s new
www.toolbox.rentingauthority.com

To your success,
Troy Boldt
888-674-9181
tboldt@RentingAuthority.com
www.RentingAuthority.com

Why Successful Landlords Do Rental History Verification

Rental history verification is an extremely important step in the tenant screening process.  If a person was a good renter in the past, chances are they will continue this pattern.  The reverse is also true.


Rental history verification is very straight forward.  You speak with the previous landlord and find out what type of a tenant the applicant is.

Ask the following questions:

  • Length of time rented?
  • Did any problems occur while renting?  If yes explain
  • How many times were they late paying rent?
  • Do they know why person is leaving?
  • Do they have pets?
  • Are they breaking the lease?
  • Would you rent to them again?

Make sure to do good rental history verification.  If you do not have the time to do it yourself, Renting Authority can help you.  This is how you do it:
  • Log into the Property Owner’s Toolbox
  • Select Past Rental and Employment Reports. 
  • Click the boxes for Rental History Report,
  • Fill in the needed information and we take care of the rest.

You receive your Rental History Report in 24-48hrs  

The Cost is only:
$6 for Employment Verification
$6 for Rental History Verification

Only $4 each with your upgraded membership
If you have any questions, please email or call.

Here is a sample report of what the report looks like: 

Click here to login and order rental history reports now

To your success,
Troy Boldt

888-674-9181

Is Employment Verification Really That Important?

Employment verification is an extremely important step in the tenant screening process.  Generally, a renter needs a good job so he or she can pay the rent.  Let me give you a list of things to inquire about.

One of the most important things is to pay attention to is: who and how the business phone is answered.  Why, because some people will give you a friend to call and pretend they are the employer.  The phone should be answered with a business name.

Ask for the applicant’s supervisor or boss.  This information should have been provided by the applicant on the application. 

Ask the following questions:
  • How long has the applicant been employed there?
  • Is he or she currently employed there?
  • Is the job full time, part time or temporary?
  • How many hours a week does he or she work?
  • Verify the monthly income.  (Employers do not always give out this information.)
  • Does their job future look good?
Make sure to do good employment verification.  If you do not have the time to do it yourself, Renting Authority can help you. 
This is how you run an Employment Report:
You receive your Employment Report in 24-48hrs  

The Cost is only:
$6 for Employment Verification
$6 for Rental History Verification

Only $4 each with your upgraded membership
  
Click here to view a sample Employment Report

To your success,
Troy
888-674-9181

Farmer Ron, the Big Bailout, and the 80/20 Rule

This week, Perry Marshall, one of my mentors sent me this email. Even though economic times seem tough, this is a moment of great opportunity.

Farmer Ron, the Big Bailout, and the 80/20 Rule
My father-in-law, Ron, is a 77 year old retired farmer in Southeastern Nebraska
. He wears a John Deere hat, sports a farmer’s suntan and talks kinda slow.
He had this to say about the Big Bailout:
“The people that stole my cow now want me to feed it. I resent that a lot, but I do not want my cow to die. So I guess we will have to send more cow feed their way. In the good ole days, we could have hung a couple of the rustlers and that would have delayed the next raid by awhile. Now they expect to get rewarded.”
Gotta love that simple farmer common sense.
Gotta love the fact that he’s from Nebraska. (Just like me.)
I’d like to add a few comments of my own.
First, the contrast between the mainstream news media and the entrepreneurial culture online couldn’t possibly be more striking.
Journalists, as a group, are the most financially threatened population in today’s economy.
Not because of the banking crisis, but because the Internet is destroying their business. They’re ALL
Read the rest of this entry »

Rental License Seminar

October 15th, 2008
Hello Troy,
 
I have given your company name and website to about 25 to 33 people who attended the Rental License seminar requirements for the Village of Glendale Heights, IL.   So if you have an rental application from Glendale Heights, IL. you know for sure it came from me.
 
Thanks for your time,
 
Maria
Glendale Heights, IL