For those of you that have not seen my post: Recipe for Mortgage Fraud, you may want to have a look before continuing.
That post seems to have brought fears that others will use the information to defraud the public. The FACT is....the element out there that have the propensity to utilize these techniques.....already have the information or, know where to get it and......trust me (Don't use "Trust Me" with clients) they have more information....COMPLETE INFORMATION, than I provide there.
Does anyone out there feel that, by posting some details relating to mortgage fraud, the general public will attempt using it as a result? If you do, YOU might be part of the problem that plagues the American public.
Please, no hate mail for that statement.
Do we educate our children in the ways of child predators; What they do, how they do it and what might happen as a result so that they can become predators themselves? Of course not. We are are passionate about our children and, when it comes to their safety, we all want to protect them. Why do we not hold that same passion in the rest of our lives?
My wife is a 3rd grade teacher....an educator I should say. One of the best. She is admired by her students, faculty 
and, although I don't say it enough, by her loving husband (ME!). When an administrator's child entered the grade level my wife teaches, she was her choice of educator. Why? Because my wife holds the same, if not more, passion for education. Something that is missing from our system of education and society as well....another post all together. The education of society is placed on the education system entirely. Society refuses to accept responsibility for true education. By true education I mean what schools are prohibited from teaching. You may already know the prohibited subjects. Subjects that are the RESPONSIBILITY and OBLIGATION of their parent(s) or guardians.
Posting recipes is a bad thing? The "fraudsters" out there wont and did not get the information from my post. They know how to find it and already have it....IN DETAIL. Educating the rest of us is key. Knowing the ins and outs of fraud and many other aspects of illegal activity is imperative.... if you are to have the ability to spot it and protect your clients, as well as yourself, against it. Look how many people that ask in my post. "does this really happen?" a testament that educating the honest in the ways of the fraudulent few is ABSOLUTELY IMPERATIVE. Have you ever wondered if the truly innocent are ever convicted and sent to prison....It happens. It happens as a result of their own ignorance. Something that might be solved through education. Education that can not happen in our schools. Public or private.
We are creating a society if ignorant people. It does not take a rocket scientist to figure that one out.
Protecting the honest... and our children, by limiting the information they have access to, leads to MANY problems in our society today. We do not need to protect them in this way. Think about it. REALLY think about. All of the problems that might be solved though education. REAL education!
I can not wait too see how Bill and Melinda Gates children turn out :). We already know the results of Paris Hilton's education...or lack thereof :(.
I applaud you! (IAU) Can I claim that one as my own? If not...I will simply add it to MY WORDS. Even though it is not a word, I can do what I want.
Ignorant people abiding by "Professional Standards" or educated Realtors upholding Professionals standards as their oath requires. Which one is better for the public? I don't think the ignorant could uphold much of anything.
Without education, the oath of a Realtor means nothing. By education, one does not have to have a high school diploma or college degree.
You are an awesome individual. Thank you for your contibutions Sally!
ETHAN: Why? I dont hink there is enough space...even here to explain that one. I can say this....WE are to blame. Each and every one of us.
NO NO NO Sally....sorry if it looked that way. YOU are, without a doubt, not the problem. You have it right! IAU!!!!!!!!!!!!!!! REALLY.
Just wanted to make the point....to others...that, without education, no one can uphold an oath. How would they know, other than by textbook definition, what an oath TRULY means?
YOU would be able to make that clear for sure. YOU are not the problem.
You nut....i was looking at Ethan's response...and I thought maybe the whole point of the post was public education. I kept going back to look and kept seeing.....
"For those of you that have not seen my post: Recipe for Mortgage Fraud, you may want to have a look before continuing." :)
Anyway, now that I'm home I'm almost done with something that YOU inspired me to write....well, after I had read something .....and it joggled my memory of a question you asked....
SALLY: Cant wait! Cant wait! Cant Wait!
IMMMM WAITING!
Love the feet pic :)
All the best,
Beth
Since you are passionate about this, Chris, I will bring on my two cents. Our education system fails when it comes to helping young people have a successful financial life. It breaks my heart to see someone with a college degree pay 2 points extra for a mortgage, because he did not understand the importance of managing credit card debt.
It was NOT because he did not have the brains. We should have a 1 year mandatory course between high school and college about LIFE SKILLS. Included would be how your credit scores work, why to have insurance, why and how to be healthy, how to have successful relationships, how to determine what career you would like, how to balance a checkbook....I know you could think of many others...including protecting yourself from fraud.
Our kids do not deserve to learn these things via the school of hard knocks. We teach Shakespeare but nothing about finance contracts? What is that about?
If I have hijacked your post, please forgive me? Again?