Welcome to 2010! Now try to breathe again. Good luck!
As most of us during the Christmas Season did, I drove a lot more than usual during the past week or so. And being one of them there people who listen to the radio while I drive I heard all of the commercials, some of which ticked me off. One even made me yell at my dashboard and it didn't know what it did wrong. Poor thing!
Then I went home and watched TV, and again, the poor thing had no idea what it did wrong either. Then I threw my shoe at the dog. The dog however, knew exactly what it did, nothing at all. So she got a couple of cookies out of the deal. (I promise I didn't throw my shoe at the dog.) Then my wife treated me like a god and made me burnt offerings for dinner. Oh what a life I have! But you didn't hear that from me.
What made me yell at nearby electronics? Commercials offering mortgages at no cost, or very little cost. One even offered an unrealistic mortgage rate that you cannot get without significant costs, much less for nothing. Should the biggest investment most of us ever make be so trivialized? My answer is, of course, no. But apparently others don't share my sense of fairness or have my sense of ethics and morals. Thus, because these companies that offer such trivial and terrible customer service, I have had to change the way I do business significantly over the past year. And did these companies change the way they do business? Not much! They still stick it to the consumer and laugh all the bank to the bank! But how can this be after all the changes made by our legislators and other misguided people? The answer will make you yell at your computer but here it is: You cannot legislate morals and ethics to people who have none.
What's the lesson to be learned here? As a consumer, you need to make a decision to use a professional and quit trying to save three cents on a mortgage. Cuz when you do business with a company like that, you won't know you've been ripped off until way down the line when something doesn't seem to add up. And when someone calls me at my office and asks me what my best rate is, my answer is this: Do you want me to lie to you like they did at the last place you called, or would you like to work with a professional? And it never ceases to amaze me when some of them think I'm the crook. Go figger.
So 2010 is dedicated to educating the consumer as best I can and I would love for you to help me. Do your best will ya? Cuz these people are killing our industry. If we don't do our best to put them out of the business, they're gonna get us first.
Love ya big bunches!
Ed
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