I feel the need, the need for speed

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My name is Wine Dog and I’m a addicted to speed. And I can’t seem to learn my lesson. Keeping my license and insurance has become an art form. For the most part one ticket is always showing up and I’m always going to traffic school to get rid of the other one. I’ve gone to traffic school simultaneously in two jurisdictions before and circumvented the system. I’ve gotten three tickets in the same day and I’ve gotten five in the same week. And it that day wasn’t in the week. I sold my turbocharged MX6 and bought a Toyota 4X4 with the 22R engine just hoping I couldn’t get the damn thing going fast enough to get a ticket. (I got fewer tickets in the truck than any other vehicle I’ve owned) When I bought the BMW I got a 525i. Not because I’m cheap, but rather because it was fast enough for me. Whatever advantage that extra .5 liter of displacement might be attained in the 530i, I couldn’t take the chance of owning any more power at the end of my lead ridden right foot. I still managed to get popped going 105 in the desert within 4 months of buying the thing.

Since I’ve started logging ridiculous mileage as a realtor, the traffic stops have gone up. I’ve got a million things on my mind and I’m probably either on the phone or trying to figure out who I need to call next. So looking down at the speedo started slipping my mind. My little problem with the BART police made me the easy mark because my tags were expired. Four bills lighter and at least that problem is solved. I got pulled over on Highway 4 in September. That guy got me going around 80 but he didn’t tag me for that, he tagged me for not changing the address on my registration. I don’t count that ticket in my 51 lifetime moving violations. He’s the only guy who has ever pulled me over and not written me, not matter how I behaved. Lots of people get very nervous when pulled over by the cops and lie and make mistakes. I’ve been pulled over so much that it’s really like meeting up with an old friend. An old friend who always costs me money and makes me spend half of one of my days sitting in court waiting to see a judge. That’s what I had to do yesterday morning.

Needless to say, I’ve been to a lot of traffic court. On the desert ticket I actually had to hire an attorney to get me out of that one. We tried a great stunt where he set the trial on the day before a three day weekend hoping that the cop wouldn’t appear, but that’s not how my luck goes in traffic court. They stipped me at 99 and I paid the fine. 105 is a go to jail offense, even at 8:30 on a Saturday morning when you’re the only one out there. Yesterday I was dealing with the repercussions of driving 80mph on Vasco Road. It’s a double fine zone and he didn’t write me for that, thank goodness. Old friends are like that. It was the most efficient, hilarious traffic court I’d ever been to. The judge lined us up six at a time and ran right through it. He only stopped at the people with the really ridiculous offenses. He took one lady’s license away. I think my favorite yesterday was “And why did you fail to appear?” I didn’t have a car. You know there’s lots of other ways to get places. Followed by a lot of dead air.

I know I have to be careful. These guys have your whole record there. Mine is probably put together with one of those monster clamps. It’s best to not bullshit. How do you plead? No contest. Do you need some time? Yes. 90 days? Thank you. Traffic school? Yes. Have a nice day. Exactly one hour for him to go through the probably 40 people in front of me. A couple of hilarious bullshit stories that he swatted down like gnats and now the last one of my judicial driving issues is ready to be put to rest.

Later, I applied the weed whacker to the back yard because, well, I didn’t want to lose my dog out there, and I need to till the Depression garden.

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I had to get a steam shovel just to dig my darlin’ out.

It’s the economy stupid

That little phrase was the brainchild of one of my favorite guys, James Carville. Those four defining words put an end to the first Bush Administration. They also best describe the mess he left, miniscule in comparison to the mess his idiot son left. Sometimes headlines are better than the stories, and this headline came across my desk a couple of days ago:

Wells chairman says public stress-test of banks is ‘asinine’

Now there’s a guy that knows about asinine. It could be argued, they wrote the book. After this week, it would be a tough sale. Tough, because the award for most asinine thing I’ve seen in public occurred over at AIG. Saturday Night Live got in trouble with their skit on Herb Sandler. NBC makes it very hard to find a copy of that little gem, but essentially, for those who didn’t see it or haven’t heard about it, SNL did a skit about World Savings (which really needs a PBE nickname, I’ll have to work on that) and underneath the actors playing Herb and Marion Sandler the caption read “People who should be shot”. I will not miss SNL this week, because I can think of 73 people in business who should be shot right now. Interestingly enough, they all work at AIG. The Bush Administration gave AIG $170 million in TARP money and they paid out $160 million in bonuses. They say those bonuses were contractual obligations. I say bullshit. How many PBE readers had contracts with Alliance Title Company? How many had contracts with Financial Title Company? And how many of you saw a penny of it? So I say bullshit. I say pull all 73 of them AND their board AND their attorneys who advised them that this was ok down to Wall Street this morning. Line their asses in front of the bull for all to see, because they should be shot. Their behavior is treasonist.

the-bull

They know they took money out of my pocket and your pocket and they gave it away in million dollar chunks. They are criminals and handle them appropriately. Has any body heard a single story about one of these shit stains saying “No, this is wrong, I can’t accept this bonus”? Nope. Not a one. String’em up and hang’em high. I’ve had it.

These jackholes walked away with million dollar bonuses, eleven of them were retention bonuses paid to people who don’t even work there any more. They are sitting comfortably while I’m robbing Peter to pay Paul. My internet connection is currently paid for, but my electric is dicey right now. My mortgage and the only credit card that’s still extending me credit are paid current, everything else is well into default. Two days ago I planted 50 seeds in hopes of growing a lot of my own food because I really can’t afford to buy much any more. I’ve canceled probably 3/4 of the services I used to have here and I’m hanging on to the few that are left because I don’t want to completely give up. The Feds are having their way with my checking account taking the taxes from 2007 I couldn’t afford to pay.  So this wanton waste of taxpayer money infuriates me.

I watched the Bernard Bernanke interview on 60 minutes last Sunday expecting to see a lackadaisical government wonk with a thin understanding of this mess. I found an amazingly thoughtful, intelligent man who fully understood what was happening. I remember what I said the other day about never hoping that Bush failed but rather that he dumbed into the right decision.  He did with Bernanke.  I found it interesting the underlying anger in his voice when he spoke of having to save AIG. Monday morning the top of his head must have blown completely off. As far as I’m concerned that’s it for AIG. I have a little tool that I just love this time of year. It’s called a “wood grenade”. You drive it into the heart of a log with a maul and it splits the logs perfectly.

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They need to drive one of these into AIG and be done with it. Or maybe just drive one into the hearts of each of the 73 AIG executives that took a million dollars worth of our money.

Which gets me to the actual point of today’s rant. All of us title folks are hurting. If you’re lucky enough to still have a job, you’re probably making around 50-65% of what you were three years ago. You’ve made a lot of the adjustments I have. Some of you have had to make much more severe adjustments and I know several who have lost their homes. I can think of several right now. One of our gentle readers who was fighting to save the family home took matters into his own hands and wrote a letter to the CEO of his bank. In his situation, there is a first and second on the house. They also have an unsecured note to the same bank. They skip the unsecured note because saving the house is paramount. The bank takes the money out of their son’s account because once upon a time his wife co-signed on the account. After much crying and gnashing of teeth, the bank gives the son back his money. He continues to struggle, goes through every credit counseling bullshit psuedo problem solver out there and finally has to miss a payment on the second. Praise Jesus! They’re now listening. Holy crap I can’t believe how these institutions are so good at pointing the pistol at and hitting their foot every time. As they work their way through the labyrinth of bullshit departments at this bank it becomes apparent that no one is paying attention. So being a good title guy, he finds the home address of not the CEO but the CEO’s son and sends a letter to him asking him to get it to his father and please help. Now, sons are fair game in this story because the same bank took the father’s obligation out of the son’s account. Oh! NO THEY AREN’T! Not when they’re the privileged class of the Financiers in this country. Security was called, police were called and they were paying attention. The man just wanted to save his house. I’m not going to print a copy of the letter, I have it. Our colleague has had enough bullshit in his life, but I will say, it is a business letter with no threats in it. It explains his situation and pleads for understanding and help. And the bank called the cops. This morning I hope I financial system does collapse. I hope our banks do collapse. I hope our government is fractured and I’d like to see California secede from the union and start all over because what we’re doing isn’t working.  In exchange for allowing us  to secede from the union, the Feds can keep Darrell Issa.

When they play the polka, they all get in the swing

About barrel tasting. Whew!

First stop Truett Hurst. Gorgeous property. I’d never been there. Out back there’s a creek that the salmon are running in. Not when we went out to see them but it was icy cold and any self respecting salmon was up the stream a piece at the Salmon Roadhouse getting a heater on. Love, love love their wine. Never had it before and was duly impressed with all their offerings. Their Burning Man Petite Sirah was quite an offering. Thick and jammy with peppery spice.

From there we went to Papapietro Perry. We ran through their barrels and through their catalog. They had out some library wines, which is never always a good idea. I liked the Elsbree Zinfandel. Jams, spice and smoke. Just like I like’em.

Across the parking lot was Kokomo Wines. A bunch of unabashed old school hippies in there and some damned fine juice. Tasty little unidentifyable snacks too. The mystery barrel was Cabernet Franc. I guessed Cab Sauv. Wrong. Mouvedre. Wrong. The best wines start in the fields and these guys honor the field. Very important.

Next stop Amphora, because we didn’t need to leave the parking lot to get there. OK, we’re losers. Anyway, we were kind of running out of time so I tasted from their one barrel and we were out of there for a 1pm appointment at Michel-Schlumberger. They were awesome. My favorite was the Sauvage. They let us into their secret squirrel wine club room where they had a beautiful spread. I could have done the breaststroke in a bowl of the pate and Sauvage. Unbelievable. Judd took us for a walk through their fields. They’re biodynamic farming and there were sheep up in the vines eating the weeds. At the top of the hill you could see most of the valley. Just amazing. I will argue that great wines start in the field until the end of time and these guys know that great wine begins in the field.

Next stop Mounts Family. They had a tent set up outside and a very nice little spread going on. They do a good job. I should have been taking notes because I don’t remember what was in the barrels. I worked my way through the line at the tasting table. Their Petite Sirah is a gem, the Zin worth a return trip. I’m loving what they’re doing up at Mounts Family.

At this point Sonofabun and I broke off from the group and went over to Trentadue. I had 14 bottles from my wine club to pick up there. Their regular line doesn’t really make me want to write home, but the La Storia line, their reserves drives me nuts. There are four reds in the La Storia line. The Cuvee 32, the Meritage, the Zinfandel and the Petite Syrah. I just love Miroslav Tcholakov’s winemaking style in this line. To me these wines are complex, they age nicely and are well balanced. We worked our way through their entire line. The tasting room was packed but it had been probably two years since I’d been up there, so it was worth the stop.

Dinner was at five in Healdsburg and we were running early. We could have parked and gone for a walk, but going to Longboard seemed like a better idea. They had their barrels open too. They do a very nice Pinot and I like the DaKine Merlot. I just saw on the website they do a Rochioli Cab. I haven’t had that one, but from that fruit and the winemaker’s talent, it’s on my to do list.

Final stop was the Palette Cafe. The food is very good and reasonable at this little place. Sonofabun had a white bean and bacon soup that was outrageous. I had a Caesar and we split a tangine of root vegetables that was delightful. There was a tasting that occurred there of three wines and then several tastings after that. The main tasting was

WillaKenzie Estate Pinot Noir 2007
Gainey Santa Rita Hills Pinot Noir 2006
Sonoma Coast Vineyards Pinot Noir 2005

I was supposed to find that WillaKenzie but it was impossible. So I brought a Verve Dundee Hills. There was also a J Pinot and a couple of others but by then I was slowing down from a very long day, that in the end, felt like this:

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Do this, don’t do that, can’t you read the sign

Here’s a little word problem for y’all.  Actually, it’s a word problem for those folks who have written title insurance in the Great State of Virginia.

We have a fence that existed and is on the survey from the time we purchased our home. We purchased on April 30, 2007.   The fence is 6 feet high.

We received a letter from the County that we are in violation of county ordinance because we “erected or permitted to be erected” a fence in a front yard over 4 feet tall.  The fence is actually in our backyard, but our lot is designated a “through lot” because it abuts two public roads.  Therefore we legally have no backyard and are only permitted a fence that is 4 feet high.  We did not erect the fence, it was put up by the previous owner of the home.  The County will charge us $375 to appeal the ruling + $2645 for the variance if we win (potentially, the appeal will cost $2455 as they passed an amendment on March 12th to increase the appeal filing fee, will have to research to see if I get to pay the old fee because my letter states the old fee.)  I have 30 days to either appeal, chop 2 feet off the fence, or tear it down completely.

Would I have any recourse against my title company or title insurance policy for the cost of this since they did not uncover the violation prior to closing?

I know there would be coverage under the California Homeowner’s policy, since it was a violation prior to the issuance of title insurance.  I don’t know about Virginia.  I know we have plenty of gentle readers from Virginia, the State for Lovers.  How ’bout it?  Anyone?  Bueller?

You have to sign in to comment on the forums at pinkbunnyears.com but if you’d just like to answer the question, ping me, the Wine Dog via email to winedog at astound dot net.

How do we dance when our earth is turning

I don’t have much time this morning as I’m taking a day off and going BARREL TASTING! But I’ve got a minute for some quick pet peeves.

MLS no pictures. Hey assklown! If in fact I go to your property, I’m going to see it’s a monumental piece of shit. Put a freaking picture up there so I know how much of a piece of shit you lazy bastards. Strangely some clients like shit. Other’s need to understand that it is shit and a picture says a thousand words. Irresponsible, arrogant asses.

Automated reception. Enough. I’ve heard your freaking message before and I don’t need to “Please listen carefully as our menu selections have changed” They haven’t changed, you really want me to not push “0” to talk to a real person. And NO I’m not taking your brief survey after this call. You’ve already told me you’re listening to it, quit wasting my time and take some notes. If you listened you would know that I’m irritated with your automated reception.

Having to write a letter to get something fixed. You took the payment twice out of my account for two months in a row. Put it freaking back. Why do I have to write you a letter to tell you that you’re morons and you screwed up my bank account for two months in a row. Any chimpanzee can figure that out. Fix it dammit!

Sidebar: I will open my best when you’re ready, nuff said.

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And while they’re living up on Wall Street

Jon Stewart has been handing Jim Cramer his lunch for about a week now. He teed off on CNBC last week and they took exception to it, saying he was cherry picking. So Stewart came back with long drawn out complete quotes, which essentially told the same tale. Much crying and gnashing of teeth over at CNBC. But Stewart had them over a barrel and was having his way with them. And he was proving one of the Wine Dog’s talking points. Turn off the freaking news, they don’t know what they’re talking about. Seriously, who was listening to Jim Cramer anyway? And why did they give him a show but for entertainment? His show wasn’t news. He’s a hedge fund guy and the founder of thestreet.com. He left the hedge fund in 2001 right before the shit hit the fan. Conveniently. I’m not a Jim Cramer fan. All pflufermaus, no meat.

While Jon Stewart has his way with CNBC and Jim Cramer, I’m going to set our sites on Diana Olick. I have no idea where she gets her credentials, but for the most part every time she says something, flies gather. This article is getting a lot of play on the internet. Olick says:

Apparently about 70 percent of foreclosures in its database have not yet been listed on the MLS. I’m wondering why? Why are the banks sitting on all these properties instead of listing them for sale?

Okay, a couple of posibilities:

  • The inventory of foreclosed properties has just exploded so rapidly and in such high volumes that the banks can’t process it all as fast as they would like to.
  • In a lot of cases it’s taking longer to process the foreclosures themselves and the homes are getting trashed. Before the bank puts the house up for sale it has to do all the repair work, and now more repair work is needed.

Now I have to wonder how this woman got on CNBC in the first place. She sure doesn’t know how the real estate world works, or banks. She thinks the banks are holding back properties to offset losses. If this website had sound effects, we would put the Scooby-Doo sound in right there. Huh? Banks are holding on to property, paying the insurance on these properties, dealing with break-ins and vagrants and theft and vandalism and liability every single freaking day because they don’t want to show the loss on the books? No Diana, that’s not it. How do you have a job?

She has a regular column. It’s never very long. I suspect because she doesn’t have that many coherent thoughts she can put together. This little gem is a befuddlement. Let’s just lay it out. The housing market is plummeting and bringing the bulk of the economy with it. People are going BK at a ridiculous rate right now. One of the tools they want to add to the Bankrupcy judges toolbox is the ability to re-write mortgage terms and allow people to keep their homes, thereby slowing the downward spiral and stabilizing the economy. Yeah, it’s a hit on their credit, but so is a foreclosure, so is a short sale, so is being delinquent on every freaking thing. People who have gotten so far as to end up in Bankruptcy Court already have destroyed credit. And Diana, for someone who dug out of a hole caused by the First Bush Administration, I can tell you that paying off your debt with lates destroys your credit for a lot longer than discharging it in a bankruptcy. And Diana, why do you assume that the house is the only debt they’re behind on? Most folks in foreclosure are in a terrible mess. I read your biography, beyond living in a house, you don’t know a damned thing about real estate. Why do you have a job at CNBC and why does anyone listen to you?

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Take only what you need from me

Y’all are lucky. I don’t have a damned thing today. Nuthin’, nada. It was going to be dog pictures and a video, but then something came across my radar, so today is going to become a link dump, with dog pictures and a video.

Over at Luxury Home Digest, one of my favorite real estate blogs, this is their offering today. We’ll file it under “Things are tough all over”

Biker down, via one of our favorite biker blogs, Drunk Cyclist. David Meek, totally preventable. To all the asshats out there who think it’s funny to buzz us in the bike lanes, I hope our gentle readers take down your plates and report you before you kill another one of us. Or maybe I hope a bigger bully jacks you up, you impotent piece of shit.

Jon Stewart had Sandra Day O’Connor on the other day. Only 1 in 3 Americans can name the three branches of government. Strangely 75% can name the judges in American Idol.

And I’ve been meaning to comment on Rush Limberger’s comment about “I hope he fails”. Why are we still listening to or giving any air time to this arrogant, hateful, egotistical, bloated, drug addicted sorry ass cheeseball excuse for a human being? For the record, I never hoped that George W. Bush failed. I ALWAYS hoped that the little moron would dumb into the right answer for the sake of the nation. Bush never failed to disappoint me. As for the Cheeseball, I can only hope that he gets to experience first hand what Michael J. Fox is going through. His asinine comments on Fox’s condition earned it. Then tell us how it is.

I was chatting with a pal yesterday about John Yoo. She asked what to do with him. My answer was prosecute him. She’d like him disbarred and forbidden from ever teaching law again. And prosecuted. But the point of the story is her final punishment. His sentence is served while he has to sit and listen to the Constitution being read to him over and over again. Because he missed that day in law school.

OMG is it time for Wine of the Day?

I got a couple of bottles of Cline Ancient Vines Mourvedre 2006. Contra Costa County grapes. (can you use Oakley and terroir in the same sentence? Is that blasphemy?) Now I thought the only thing ancient in Contra Costa County was the agents down at a certain YVR office, but apparently there’s some old grapevines too. I got a couple of bottles because it was on the nickel sale at BevMo. I don’t know what I was doing there. Sleepwalking probably. Anyway, it’s a big, thick, jammy conglomeration of flavors. Dark plums, chocolate, a little Dr. Pepper, gentle on the forward with a clean tannic finish and the perfect wine with my Monday red beans and rice fare. I think it was $12.99 a bottle and really for that price, you can’t go wrong. I may go back and get two more.

And as promised,

bubba-table-2

beau-living-room

Is it me or do those dogs have the exact same look on their faces? And they never met.

Song I’m feeling today

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Who’s the cat that won’t cop out when there’s danger all about?

Yesterday was a great day. I took exactly one real estate call. Everything else went to voice mail. I’m going to have to be a realtor today or at least return some phone calls but after six weeks with one day off, yesterday was heavenly. I wish our business was such that I could get a day during the week and work the weekends, it just doesn’t work that way with the way our company is structured. If I haven’t mentioned, I work for one of the big REO guys. He’s been doing this stuff for 30 years. That’s all he does. So he was uniquely positioned to have a ridiculous amount of business when the shit hit the fan. It’s awesome to be aligned with a guy like him in these times. It makes it really hard to take a day off. I am now X-ing out a day a week on the calendar because I just need one day to recharge my batteries.

Yesterday I did a training ride with the LunaChix. They’re somehow sponsored by Luna Bars but more importantly, they’ve got a really cool name and they’re really cool women. The ride was brutal. With all the rain I’d done a spin class in the last ten days. Before that I did that 44 mile Diablo loop, so I am in some saddle shape, just spotty saddle shape. After yesterday MY saddle is a little spotty. They rolled around 8:40 yesterday and we brought it back in at 2:45. I would have liked to stop less and ride faster than the group I was with, but in the end I’m glad I rode with them. The next group up would have had no mercy when my chain slipped on a bitch of a hill and my front tire touch the soft shoulder and me and my bike rolled down the embankment…of course still clipped in. It was a soft embankment and the only damage was my ego and my spirit, both which took a beating yesterday.

So much for the golden future, I can’t even start

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Here it is, gentle readers, in all it’s glory. SB 133. The giant turd in the punch bowl of business. Here’s the part that’s causing the big bugaboo:

 (c) The following activities, whether performed directly or
indirectly, are deemed per se inducements for the placement or
referral of title insurance business by any person and are unlawful:
   (1) Paying or offering to pay, furnishing or offering to furnish,
or providing or offering to provide assistance with the business
expenses of any person, including, but not limited to, rent, employee
salaries, furniture, copiers, facsimile machines, automobiles,
telephone services or equipment, or computers.
   (2) Providing or offering to provide any form of consideration
intended for the benefit of any person, including cash, below market
rate loans, automobile charges, or merchandise or merchandise
credits.
   (3) Placing or offering to place on behalf of any person,
compensating balances.
   (4) Advancing or paying or offering to advance or pay money on
behalf of any person into an escrow to facilitate the closing
thereof, other than any sum which represents the proceeds of a loan
made in the ordinary course of business; or an advance not to exceed
2 percent of the sales price of the real property being sold or
exchanged through the escrow or the amount of any loan secured by
real property involved in the escrow, whichever is greater; or the
extension of credit or an advance for the costs, fees and expenses of
the escrow or of the title insurance issued or to be issued in
connection therewith.
   (5) Disbursing or offering to disburse on behalf of any person
escrow funds held by a title insurer, underwritten title company or
controlled escrow company before the conditions of the escrow
applicable to that disbursement have been met, or in a manner which
does not conform to Section 12413.1, including disbursing or offering
to disburse before the expiration of the appropriate period
established in Section 12413.1.
   (6) Furnishing or offering to furnish all or any part of the time
or productive effort of any employee of the title insurer,
underwritten title company, or controlled escrow company to any
person for any service unrelated to the title business.
   (7) Advertising or paying for the advertising in any newspaper,
newsletter, magazine, or publication that is produced by, or on
behalf of, a person, or that results in a direct, or indirect,
subsidy to a person.
   (8) Expenditures for food, beverages, and entertainment for a
person.

Not that hard eh? Well, like anything this one’s being taken to the extreme. In America, a lot of business is not conducted in offices. When I was at Morgan Stanley I worked with a tough old broker. She was money in the bank. Her previous work experience was at McCall’s magazine. She was an avid golfer. I was ready to learn golf so I spent a lot of time talking to her about the game. She learned to golf because the guys were getting the big accounts and business was being closed at the 19th hole. She was tired of letting those deals slip through her hands. She also did a lot of stockbrokering on the golf course. Business is not necessarily conducted in this country in stodgy meetings and conference calls. The real dollars still move through personal relationships. That’s a fundamental precept of how business works in this country. We meet over lunch to discuss XYZ. We have a cup of coffee. That’s how business relationships are built.

Unfortunately, the title business has always been a rough and wooley one. Title companies have never met a rule they didn’t know how to break. We know about the kickbacks. The skimming. The furnishing of offices, purchasing of computers, providing support staff, office equipment, remodeling. The illegal graphic design departments, paying for leads, the skyboxes, the Madonna tickets, the sports tickets. The list goes on and on and on. That stuff was all wrong. Well, maybe not the sports tickets, but the rest of it was all wrong. (Like the golf course, I think business goes on at sporting events. Chevron has tons of tickets to the local sports teams. Nobody’s up their ass about it) The design services and the production of marketing materials for agents.

Somewhere in between good and right got lost in this dark aspect of the business. On one hand I believe that it’s just fine to take a client to lunch. It’s wrong for the client to expect the rep to pay for it. I’ve heard plenty of realtors and mortgage people say “I can buy my own damned lunch, I need service”. I agree. (Well, right now I can’t buy my own lunch, but usually I can.) After putting together a deal or two, I’d like to go hang out with my rep, or my EO for that matter. Most business celebrates a close with a drink at the local watering hole. Right now our title reps are scared to be seen in public with us. That’s horseshit. That’s what happens when regulation runs amok. And some people don’t have enough to do. If we could just find a happy medium with things but we never do. I asked a rep to meet me at Peet’s the other day to discuss business and she wouldn’t do it. We met at her office. They can’t even offer me a cup of coffee while I’m at their office. I’m glad I didn’t have to go potty while I was there. God only knows what they couldn’t provide me in those regards. Worse yet, some of them are living in mortal fear of being turned in by their competition because a certain faction out there apparently would prefer to turn people in than conduct their own business. More horseshit.

We got here because a bunch of title reps and title companies and realtors and loan officers didn’t follow the original rules and didn’t apply ethics to their business. Those people will never apply ethics to their business. They are the bottom feeders who preyed on consumers. Those people are out of the business and the business is better for it. Let’s apply some common sense to these new regulations, starting at the DOI and move forward and start to do some business together.