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honesty: Who invented "transparency"? - 01/13/09 04:24 PM
To quote Lenn Harley:
**** WARNING: TRUTH SPOKEN HERE ****
I'm not a young guy. In fact I'm beyond "middle age" unless I plan on living into my 100's. When I was a young boy - I mean 8 years old - I remember being taught by my parents to always speak the truth and not to hide anything from people I deal with. That means friends, family and business people. I was taught that hiding a truth from someone was the same as lying.
When I grew older and entered my college years and started reading books like "The Art … (21 comments)

honesty: Beware of the Trickery of the One Stop Shop - 12/28/07 10:56 PM
Since the beginning of the boom there have been many "one stop shops" to spring up across the nation. Not surprisingly many of these originated out of California, Florida and Texas where real estate investing was the largest. It is possible that this posting is moot with the sudden decrease in real estate investments and real estate investment lending guidelines being cut to the bone.
There is one group which appears to still be growing but I doubt their sustainability based on their business model even though their founder and CEO is an experienced financial industry participant. What disturbs me is that … (22 comments)

honesty: NAR, ABC, Leslie Stahl, Imploding Market, Discounters - Make it Bleed to Make it Lead News - 05/17/07 08:26 AM
So just exactly how does it feel to be in a highly regulated industry which is constantly under attack from both the media and dis-informative insiders? I don't recall too many real estate agents sticking up for the mortgage industry over the past few months - in fact, I believe all of the ones I have heard supporting are here on Active Rain. The media sure has been hot on the trail of the Entire Mortgage Industry - baby, bathwater AND tub!
I guess Leslie Stahl's piece on the "sacrosanct 6% commission" could be compared to Clark Howard's continual bashing of mortgage … (2 comments)

honesty: Still Mixed Reporting on Real Estate Market? - 04/04/07 03:03 PM
And I quote, "new reports signal that the real estate market may not be as bad as originally thought". Fox News, 4/4/2007
Maybe that's because percentages are easily misunderstood and manipulated to sensationalize a situation but raw numbers speak for themselves. Here is a short example: The price of cherries went up 4% in May. In April the price of a ton of cherries was $1000 and in May the price of a ton of cherries was $1040. This could also be reported as fruit price jumps 4% in one month - which sounds much worse. 
Now let's look at bigger slice from … (2 comments)

honesty: Zero Closing Cost Loans ... Hmmmmm - 03/11/07 11:45 PM

Okay, anyone who has read my posts knows I don't pull any punches and, after the exchange I just had with a mortgage broker from Virginia, I feel the need to revisit this just one more time. Funny thing is that this broker is a contributor to "Realty Times". So what. So nothing, really. Poop is poop. There is, however, something odd about this particular event.
His article was teased with how he is fed up with deceptive mortgage ads.
Deceptive mortgage ads. 
His claim to "fame"? Zero cost mortgage loans.
Really ...
I would not even be blogging this had he not posed the question, … (2 comments)

honesty: Only We Can Do This Loan and Other Mortgage Pick Up Lines - 01/16/07 05:39 PM
Fellow lenders, brokers and loan originators I am pointing our fingers at us on this one. Is it any wonder the buying public thinks we are all a bunch of trash talking thugs? Oh I am not excluding you big guys like __tech.com and Quick__ Loans. You guys may be the worst of us all because your reach is so large.
Receiving a phone call from one of my top clients, people who acquire at least a million dollars or more in investment properties per year, is not unusual. They alone have my private cell phone number so occasionally they use it. … (27 comments)

honesty: If You Can't Beat Your Competition, Lie To Your Clients - 10/30/06 04:38 PM
Why does it seem this has become the motto of my own industry? If you live in one of the towns where JS from LF advertises heavily on the radio you've heard him say "Don't give a broker another penny of closing costs to refinance! It's a racket! It's a rip-off! Refinance with LF today and we'll pay your closing costs. Your closing costs won't cost you one penny and we don't roll it into the loan!" (paraphrased)
Raise your hand if you believe this is remotely true - I mean that it won't cost you one penny.
Okay, John, put your hand … (1 comments)

honesty: Anonymous Posters: If You Know You're Wrong, Hide Your Identity? - 10/28/06 10:01 PM
I suppose if you are going to make erroneous comments with non-factual supporting data there is no better way to do so than to post anonymously. We're having a better exchange of ideas and opinion backed by factual data than I've encountered on AR or any other blog in quite some time. Jeff Corbett and I have had some great exchanges and Bryant Tutas is always there to chime in as are many more of you.
Then there is the anonymous poster who commented on Starbucks has nothing to do with Mortgages with an apparently cut and paste diatribe which had font … (4 comments)

 
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Ken "Yes You Can" Cook

Marietta, GA

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Ken Cook, Web Dev, Brand Strategist 678-439-8683

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