14 years ago, a storm similar to the one that has buried New York prompted me to pack up my family and head west.
I didn’t know it then, but that exit began my entrance into the real estate industry.
A window into real estate
When we arrived in California we settled into a short-term rental before searching for a home. After viewing many that missed the mark, our agent found us something that seemed promising. Upon making an offer he said we needed to arrange a home inspection, a practice I was unfamiliar with.
After explaining what a home inspection was, he offered to send his guy to do it.
I thought otherwise.
My guy spent five hours on the home and presented us with a list of defects that made a Bronx tenement seem like a palace. Nothing had been upgraded since the house was built in the 1940’s. Safety hazard after safety hazard jumped off his report.
We decided to pass.
Our real estate agent fumed when we told him, referring to our inspector as a “deal killer.” And here I thought the guy just saved me from making the worst mistake of my life.
It made me wonder who was really representing me.
I got to know the “deal killer” after he inspected the home I ended up purchasing. Our relationship gave me a peak through the hairline cracks in the foundation of the real estate industry.
This was 1997. You hardly ever heard the word “consumer” in real estate. For brokers, the consumer was the agent. To the agent, the consumer was a lead. A deal. A commission. A rung on their ladder to Top Producer status.
I believed that wasn’t right. Smart. Or cool.
I decided to do something about it
I started a little media company. My first product: a newspaper column about home inspection written by my deal-killing friend. Within a year, I syndicated his column to over 400 newspapers across the U.S. - The LA Times. Houston Chronicle. Denver Post. Miami Herald. Washington Post. The list went on.
I joined Inman News a year later to help them build their own successful content syndication business.
By 2001, I was speaking at conferences. Writing articles of my own that I’d email to tolerant colleagues. I used my pen like a wrecking ball, swinging it into the concrete and steel of real estate’s “Fortress of Suckitude.”
I didn’t win any popularity contests that year.
Post 9-11, we needed something to make us feel good. So we did what we are best at – consume. Low rates, insane loan products and listings available online fueled a home buying frenzy.
Brokerages grew in size. Many recruited warm bodies with cold hearts and dead minds to sell the Dream of Homeownership. I read the letters sent to my deal killer inspector/columnist from all over the country. The stories of under-trained or unscrupulous agents were sickening.
As a result of the boom, the industry got worse. Not better. My own personal quest – a resounding failure. Or so I thought.
Revolution
A revolution is hardly ever the result of one person’s efforts. It requires many contributors with similar desires spreading their influence to the small audiences around them. If the gods are aligned, these influences converge and a movement ensues.
Unbeknownst to me, this is exactly what was taking place within real estate behind the din of hype that characterized the early 2000’s.
People like me were making their voices heard in new ways. Blogs. Comments. Fora. Online communities.
These voices would outlast the hype that threatened to drown them.
A reminder
Over the holiday, I read this Blog post by Michael McClure featuring a list of writers who are – in ways large and small, loud and soft – moving this industry forward.
A week prior, Inman News published their list of the 100 most influential people in real estate.
These people are part of a slow revolution changing the real estate business. They are exposing it to new ideas and increasing its capacity to envision an industry of capable professionals that honor the sanctity of property, family and homeownership more faithfully.
They are sandblasting the concrete, demolishing the steel and rebuilding this industry one new, good brick at a time.
The dawning of a new age in real estate
The close of 2010 is at hand. Think back to December 2000. You can feel the difference.
What I feel is the accumulating effort of thousands who no longer accept the real estate industry as a feedlot within which the professionally doomed chew away their fate.
It’s the little emerging brokerages entering – and thriving – in a down market that are doing it. The national franchise owners making soul-wrenching changes. The independent brands re-discovering things they had lost. The MLS leaders who won’t wait another year for a simple data standard. The real estate agents who are just as dedicated as I am to ridding the industry of the sort of bozo that “represented” me 13 years ago.
To all of you: your words, your efforts and your actions matter. You’ve made the dream of a better industry seem more attainable.
There’s more work to be done.
My wish for 2011 is that we find a way to work together and finish what has been started.
Happy New Year real estate!
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Marc,
What a well-written post. You nailed the problems in our industry, while also acknowledging those who make a difference each day by trying to make changes for the better. I have great hope that we will get there–we are already making great strides. The client deserves better and so do we, as agents and brokers. I share your sentiment too that we all need to work together to make this industry the best it can be.
Happy New Year!
Rachel LaMar, J.D.
LaMar real Estate
It’s called “doing the right thing”, which you are. Keep up the good fight Marc, you have friends…
Keep “doing the right thing” Marc, there is hope. Maybe I am lucky to know so many of the “good guys” but there are lots of folks passionate about elevating our industry. You are not alone. Happy New Year to you!
Marc, thanks for sharing your story and for helping to make a difference in the industry. I support your actions and look forward to a lot of positive change in the coming year. I can see it through the 80 MLSs I am working with. It’s a big shift and good things are taking place.
Marc,
Yet another in a seemingly never-ending stream of brilliant posts from the best in the game: You.
I am beyond humbled to be referenced. I started blogging because of you, and I will always look to you for “what’s next” in our industry.
And you are SO correct that the “dream of a better industry is more attainable.” Change is afoot. I can FEEL it. A tipping point draws nigh, and you have been hugely instrumental in driving people like me forward, following the flashlight of sensibility, common sense and sound business principles that are the hallmarks of your vision.
Wishing you all the best, always, my friend.
2011 is going to be amazing…
Sincerely,
Michael
Love this post Marc…like a breath of fresh air in a stale room. I like your wish…can I join you?
Happy New Year!
Fitting that what I feel is the best post I have read this year was written on the last day. You continue to inspire and your effort will be rewarded with progress.
Great Read! Marc Davison is the shit!!! I owe a portion of my 2010 commissions to him and the 1000watt team. Thanks guys.
Marc,
It’s been said many times, even before this post, but I am in awe of your ability to present and communicate Marc! This post was a delight to read before ushering 2011 in last night.
Thanks for being a beacon of reason as we tear down the real estate “fortress of suckitude.”
T
I ditto what Michael says … I think he says it perfectly in these few but heart-felt words “Change is afoot. I can FEEL it. A tipping point draws nigh”.
Thanks to you, Marc, and 1000Watt for being an instrument and voice of change so desperately needed for our industry.
Happy New Year!
Gang
We are all one is this endeavor. This post was my new years eve toast to all of you and many others who are doing great things to change this industry. To 2011!
Marc
Another great post – I find I always read your blog posts as soon as I see them.
Executive summary of the idealreal estate practice?
“Do the right thing”
All else flows from that
Happy New Year, Marc – It’s an honor to know you
Ira
Wow, this article was the reason I decided to sell real estate about a year and a half ago. I worked in the sales arena in other industries and to me, it was the old cliche: “all sales people are alike.” I worked more in the customer service side of the sales team, so we did a softer type of sales. It was more client focused and it was still selling. When the communication industry starting going overseas and I got laid off, I wanted to stay in sales, but was not sure what industry. After lots of discusions with my spouse and internal conflict, it was clear to me that real estate was that industry. I could still use the softer sales approach by truly building a relationship with my clients and consulting with them on their real estate transaction. This article exemplies my ideal of our industry.
Marc, Right on! This post is one of many that you have written that help move our industry forward. The “Big Guys” that don’t get it need to, or be left behind- inhaling our “doing it right” dust! You have given my new company a voice and I so appreciate it!
I STILL have your voice mail when you called me about the Beta Brokerage and listen to if often
Happy New Year my friend…you count in our industry, you REALLY count!
It’s funny how a whole slew of seemingly unrelated events can propel us to our destiny…
That is a very inspiring article to start off the New Year; thank you!
Marc:
You made me smile… what you said is why I teach as well as broker. People like you keep the flame alive, even after my 25 years in the business. You and yours will keep me loving the industry that has been good to me and to my clients.
Thanks.
Kathy Howe
Excellent post Marc – I agree, what a difference 10 years has made. I’m excited to be a part of the “movement” in real estate. Wishing you a very happy new year! See you at #ICNY?
Katie
Exactly why I left management and jumped back into sales and private coaching! As always, thanks for your gift to communicate so well.
Lets drive all the bozo’s out of the profession in 2011!
Thank you for inspiring our industry. You are the leader of the WHY for this industry. Thank you for stepping up to the plate in 1997 and thank you for continuing to step up.
Hello and welcome to 2011 I applaud your efforts and your goal.
We in North America share many things; yet while most of the blogs and concepts struggle to keep themselves unique, I have achieved a strong Google ranking for Homes west Toronto; make use of Video in my marketing, blogging and participate in posting to Active Rain and Housing Storm, Interviewed on MSN Money, was awarded ChomzTV 2010 Year End Awards :Innovative Realtor Of The Year.. @DavidPylyp
Whats is the point? We have a vibrant and strong real estate market in Toronto (Canada) that is not fraught with the challenges faced in the States. Inventory rates that are measures in weeks not years of absorption, yet I rarely if ever have seen anything about Canada in INMAN News.
There is a large talent pool north of the border.
David Pylyp
Living in Toronto
Marc,
Great post! What you may not realize is that you have helped so many develop their voice and given them the courage to use it!
Steve
Why wouldn’t you want to protect your buyer? I want my buyers to buy the best home with all the protections. I going to sell that house again. I help good people take care of my future inventory. What is better then selling the same house every 5-7 years.
Great Post Marc….and the trade association community has the same green roots evolving if its going to survive..NAR has taken the lead with some strong leadership, State and and locals have to reevaluate its mission and purpose.
The gravey train days are over…keep pushing us.
Great post Marc!
There are thousands of great Agents and Brokers in the industry that “get it”. We need to continue to raise the bar so we are not embarrassed by the multitudes that don’t.
Here’s to a great 2011,
Andy Smith
Hi Marc and 1000Watt team:
Your post takes me back to when I first started eight years ago… I sat in a class with at a large brokerage telling us “It’s a great time to buy” and then in meetings about why “It’s a great time to sell.” As a new agent I asked, “Which one is it?” When I received my real estate license a few weeks later and told the manager he said, “Great your dangerous enough to get sued.” Two years later I was what they called a Top Pruducer… I noticed the manager would come meet me in the halls and agents always wanted to talk to me… I joined a coaching program where all they talked about was increasing transactions, twisting on peoples “Pain points” to get them to make decisions and “Taking it to the next level…” whatever that means. The head of the coaching company would ask everyone to write down what they want to earn in the next six months and then ask them to write another “Zero” behind that… Crowds of agents spending way too much money on coaching would laugh and giggle about the thought of another “Zero.”
I liked my coach as a person and I liked some of the people at that first real estate company… But none of it resonated with me. I was helping people make big decisions about their life not accumilated transactions. I didn’t want to twist on “Pain points’ or manipulate people… I wanted to provide good valuable information and place the best possible outcomes of my customer in front of mine regardless of the situation… SO, I quit the coaching company and change from one large brokerage to another large company that claimed to be all about the customer and family of agents… Guess what. The new company was exactly the same. The first class they wanted me to attend was about, “Manipulating” buyers… They actually used the word manipulate in the subject line. I thought to myself that the consumers should know that large groups of agents spend thousands of dollars learning to use NLP and other tactics to get them to buy and sell homes…
All of this said, I became a broker and started my own company. Looking back I don’t feel that all real estate agents are bad people… Many of them are misled from the very beginning. I do feel the change and this will be a team effort lead by people like Marc and the 1000Watt team.
Wishing you and your families great health, joy and safety this year…
Thank you Marc,
Tim
Hi, Tim
I liked your story very much. Like I told Marc, it’s refreshing to see attitudes like yours.
It’s nice to know that there are some real and genuinely caring people still in the biz.
Take care, and best wishes for a great new year!
Anita Cooper
Marc…Thanks so much for that great post.
When I became a real estate agent in 2007 I wanted to be the kind of agent people trusted. After they made the purchase of their lifetime..I wanted them to look back and thank me…not wonder who I was working for.
Here’s to 2011
Happy New Year Marc! Thank you for sharing your thoughts and ideas with us. You are a gift to the real estate industry.
Tina
A second wave of thanks to everyone for your generous comments but seriously, it’s your contributions, your efforts, that are the gifts. They make what was written here mean anything. Or everything.
@Tim: Last year my son handed me a folder of documents that contained pages of sales scripts published by a well-known, nationally recognized, tenured coach. It was right after he got his license and interviewed at a local brokerage. Grossed out, he handed them to me and said, “Dad, if this is what I have to do to build a business, I’d rather find another career.”
I read the contents. They were so vile I was tempted to publish them. My advice to my son was stay in the business. If everyone in your office is doing this, do the opposite. At every turn. You will be doing the right thing and saving some lucky client at the same time.
This coach has trained tens of thousands of agents to dispense repelling one liners to assuage objections. To such people up into a sale. He and others like him have attracted minions of unskilled agents who fell effortlessly into this industry, picked up by brokerages and wooed by associations whose only concern was raising membership and revenue. For them, working hard and knowing the business really meant memorizing lines.
This is the gift that sat inside real estate industry wrapper and given to America. Sales. And teaching sales people that it was okay to take advantage of ignorant consumers.
Because of folks like you, this is no longer acceptable. Or tolerated.
There’s a new breed of coach in this industry pounding out common sense, information, research and pleading with agents to smarten up and protect people from what they don’t know rather take advantage of it.
There’s a whole new breed of savvy journalists writing about the things that matter albeit branding, technology, marketing.
There’s a new bred of Wise and Professional brokers who have witnessed the mistakes of the past and vowed to never repeat them.
There’s an even newer breed of tenured brokers who saw the error of these ways and have made the hard choices to change. You really deserve acknowledgment.
There’s the new breed of agent. People like my son who would rather do something else than carry on the sick traditions of the past. Every time I lash out at what agents do, I in turn sing all your praises.
And there are the new breed of vendors committed to making better solutions to real problems that aren’t smeared with the grease of sales hyperbole and fiction. Seek them out. Listen to them. Give them a chance.
Thanks again everyone for recognizing our little part in this. It’s good to be part of something special.
Wonderful post Marc…thanks for helping lead the industry forward!
Marc,
For us, it was a fortuitous storm that drove you west…into a commission-hungry real estate agent…and, finally, here today to help reform the real estate industry.
Without that storm, we might not have you sharing such (un)common sense about real estate.
On one hand, I want to believe consumers (aided by the Internet for research) wisely will choose the “right” real estate agent, quickly dismissing all “bozo” agents as Carmen Brodeur suggested.
On the other hand, 100% commission work tempts too many hungry “agents” with slick marketing to mislead consumers for their gain. I experience it daily in Sarasota, FL, with homeowners duped into signing with agents to help them avoid foreclosure.
Talk about a ferocious storm.
Foreclosures continue wreaking havoc in Florida. Weary homeowners fall for slick marketing pitches from “agents” aligned with (some) greedy “flippers.” Perhaps worse are the agents who think their CDPE (but no experience) gives them “expert” status. Bottom line: these 2 elements are hurting distressed property owners!
For a couple years, I too used my “…pen (actually my keyboard) like a wrecking ball, swinging it into the concrete and steel of real estate’s ‘Fortress of Suckitude’….” My intent was to INFORM the public, not turn agents against me as I did.
My real estate wish for 2011 is for as many of us as possible to BEAT a common drum louder than ever, hopefully broadcasting a common message to consumers in as many different media to as many people as possible.
Thanks, Marc, as all of you involved in real estate who are making a difference for real people who look to us for (REAL) help.
Mike
Marc, my husband put real estate brokerage and agents into perspective for me…
His partners wife, just spent money for a face lift and other enhancements that would make her stand out. But as he pointed out, once she ventures back out, everyone will see that the package may be different, but the content will still be the same miserable bi@#h that she always was…so nothing will change.
I feel the same way about real estate brokerage.
If you’re not making dust you’re eating it. For too long the real estate industry has choked on some business practices that are no longer meaningful or relevant. The evolution is most certainly gaining pace,driven by companies and individuals from both within and outside the industry. Good post thanks Marc.
Evolution? We’re still walking on four limbs compared to the rest of the business world, and 95% of the agents who aren’t qualified to be in the business are keeping it down. Lucky for the industry that banks were kept out of the business, because that would have spelled the end. I wish it would have happened, competition changes the game
Steve,
You’re in good company here as far as being realistic about how backwards much of our industry is. Listen, I just sold my home and would not recommend my agent to anyone having come face to face with the reality that finding a great agent is not easy even if you’re predisposed to know what one is like I thought I was. Nevertheless, there’s a stream of good, great agents and brokerages out there who are making a difference along with better vendors, better speakers, better coaches – a better class of everything. Give it time man. If we can get that 95% down to 80% in the next few years, that’s something. And with any luck, if 2011 shakes out to be a really hard year, that number could increase even further as more of Bozo’s head off and do something else.
Marc, you’re sounding like a politician…we need to take baby steps for progress…we’re so far beyond needing baby steps
I’m 53 and have been building and selling homes for 30+ years and the mentality is the same as it’s always been. I hope to live long enough to see a change.
It’s funny (not really), but what I fear the most when I build homes isn’t the economy…it’s the realtors. It’s scary that I have to rely on them to make a living…my insurance company called to ask why I need so much xanax-so I mention realtors and they give me what I need.
It’s not funny anymore:)
I’m waiting for you to write a book about everything that’s bouncing around in your head. I bet it’s a best seller.
Btw…no one will hire these bozo’s…that’s why they’re Realtors
Keep the good stuff coming!!
Steve, I’m sorry you’ve experienced many Xanax moments, as you say.
Surely I’m not perfect. I wasn’t perfect as a high school teacher/coach. I sure as hell am not perfect as a real estate agent.
I don’t do everything people want me to do it, and I don’t do it the way everyone wants me to do it.
Marc began this thread citing one example of an agent who got upset about a “deal killing home inspector.” From that, this thread appears to have spiraled…in some way pitting people commenting here against all those “other” (albeit awful) agents…or in Steve’s case ALL OF US.
I guess it’s times like these I’m reminded that beauty is in the eye of the beholder and he who is w/o “fault” should cast the first stone.
Mike
P.S. To one lady in Indiana, I am a horrible agent. I requested she and her husband sign a buyer’s agreement before I agreed to invest my time & money on their behalf. To another person, paying for HOA docs out of my pocket just to make them happy wasn’t enough to please them after hours of hand-holding through a first-time home-buying experience. therefore, I’m not qualified to contribute to this thread since clearly I’m not one of the “chosen” real estate agents.
Happy New Year to all of you.
Mike,
Maybe you are over qualified
I think the thread is in-tact. Besides the comments are what they are – discussions. They tend to go off on tangents and that’s cool. Soap box aside – I know we have a better industry today that we did 10 years ago and it’s because there are a lot of folks like you, Steve and others who no longer take crap from where ever it comes from and, dose up on pills to keep doing what you’re doing or taking digital pen to paper or just pounding the pavement delivering good, sound services. I began waving that flag and will keep at it.
Keep at it guys.
Marc,
Loved the post. Interesting to hear your past and how all this came about. Keep up the good work and I hope 2011 is a prosperous and healthy year for you.
Not a whole lot that would be interesting Rob. Got my start working on Madison Ave. Left to start my own firm. Focused on the entertainment industry doing PR and then artist management. Sold the company after I came out here and used what I knew about marketing, branding and business development to create e-businesses.
Been around. Seem some cool things. Gained a perspective that seems to work for me.
Great background story. I hope that we can drive more and more agents like that guy out of the industry in 2011!
Marc, you told us why you didn’t like the RE agent who balked at (your) home inspector.
What issues did you experience with your latest agent? Unless you prefer all the “I hope that we can drive more and more agents like that guy out of the industry in 2011″ comments, I’d be interested in what this recent agent did or didn’t do to your liking and how you chose/interviewed this agent.
Thanks,
Mike
Mike,
I’m cool with the sentiments in the comment string. I understand the frustrations professional agents experience dealing with bozo agents and the perceptions they create for consumers.
Personally, I’m trying to help “guys like that” see the error of their ways and move them forward before eradicating them from the industry. I fundamentally believe that there is more good in people that bad. I naively believe that smart will always prevail over stupid and in the end, a bozo agent can be persuaded to remove the floppy shoes and the big red nose if they are shown a better option.
Regarding my last transaction – I chose the neighborhoods “top producer”. I knew him. Had been to his home for parties. Given all the agents I knew in that town, it made sense politically to hire him.
My house sold. That’s what matters. The intimate details of the relationship aren’t important. He was not a bozo. Maybe a bit sold and detached for my liking. Then again, given who I am, I am not sure I would make a great client for any agent.
Finally, I view the comments of this or any post as a separate element to the post itself. The post represents my take which, in regard to my relationship with my readers, is simply a catalyst for a discussion that is already taking place elsewhere.
Like any conversation, it digresses, returns, and hopefully will also soar into completely new areas giving both the readers and myself new things to think about.
I sincerely appreciate your contribution for bringing it back on track. But who knows where it’s going to go. Stay with it Mike. You bring a lot to the discussion.
The reality is that most Realtors don’t know more than your hairdresser or Zillow. I’m being serious. As an agent in the business for 8 years, I have come to understand why Real Estate Agents have the reputation they have. It’s because the majority deserve it. I love the business and I know there is a lot of hard work we do, but let’s face it, you can take a crash course and have a license in 2 weeks.
I’d say, let’s quit throwing rock’s at the Fortress. The agents that built it can stay there as far as I’m concerned. Instead, if we’re going to pick up the rock, let’s build something new with it.
Let’s change the face of real estate! There is soooo much Opportunity out there right now I’m Stoked! Here’s to a good 2011 and everyone that commented on the post. I feel that just by you being here, you care about doing & being Better.
Appreciate your comment Rob.
The agents that contribue negatively to the reputation of this industry are the ones who assume to know and do things that are well beyond their intellectual, analytical and creative skills.
For instance, agents like the ones who told me in 2004 that “money is cheap” and that I should invest mine in California homes adds to the negative reputations because money isn’t cheap and those homes are now worth half the value. I should be shot for listening but I bought into that sales pitch which I am now convinced was the result of a coaching course she took and sales agenda spearheaded by her brokerage. That’s a bad agent.
These agents soil it for the good one like my agent friend in Portland who talked me out of buying homes (where I also invested) around that time because he just didn’t feel comfortable predicting where the market was going. Have gave up several sales based on his advice to wait things out.
The agents who soil this the reputation are the vast flocks of folks who design their everything sans any design skills. Who write all their own copy in spite of their lack of writing skills. It’s the agents who invest nothing in their business running it on the fumes of free everything. It’s the agents who don’t revenue project or budget. It’s the agents who view people as leads, deals, checks, It’s the agents who don’t attend continuing education, camps, conferences and events. They do not show up to broker meetings. They scoff at stuff they don’t understand. They leverage their entire value proposition on gangly marketing collateral that paint them up as rock stars and personalities instead of local folks who help people buy and sell homes.
It’s the agents who don’t realize that real estate is a service business and forget or ignore the basic tenants of providing service that will always stand tall against knowledge.
I like your idea. Let’s stop throwing stones at these guys. Use the stone to build something better. I dig that. Thanks
You had me going until i got to the next to last thought that…”it’s the agents….providing service that will stand tall against knowledge”. Business 101 – one without the other creates failure.
It’s a new world out there. It’s time to look at things from a new perspective, because selling, buying and searching for homes the old way doesn’t work anymore.
There is nothing wrong with throwing stones, if you can back up your claims. If your competitor sucks at what they do and you can show why you are better, than do it. Apple did it against Microsoft for years and now T-mobile is doing it against Apple…yea they are polite, but stirring the pot with in your face controversy is a fast way to gain an audience. Glen Beck and Jon Stewart do it and look at their reach.
Give consumers the credit they deserve, because most of them are smarter than a room full of your average agents. The problem they have however, is that few agents stand out from the look-alike-sound-alike competition.
This is a business where the consumers plop down their life savings, and if you’re better at helping them to not get screwed, then shout out why you’re better.
Or create an ad with your paragraph…”the agents who soil…….”. It’s all right there in a nut shell. Buyers and sellers are scared of agents, so show them why all agents aren’t created equally. Just be careful doing it
Be different, or n one will remember you.
Marc, with regards to the cheap money, I’ll admit I drank some of the Kool Aid. I have educated myself a lot since my early days in real estate. I was licensed in early 2003 when the boom was just starting and all I knew was the real estate always went up, but that wasn’t always true. Now I read some pretty insightful newsletter and look at history and realize there are cycles and have always been. Plus there are real economic fundamentals that home prices are tied to. Anyways, I think plenty were just greedy and most were just caught up in the frenzy, but with no education as to what was really going on.
I also agree with the overall laziness and lack of Vision in the business.
Steve, I would definitely say that knowledge & service are not much good without the other. The problem is the majority of buyers and seller seldom don’t do their homework to pick an agent that really is different. They hire a friend or some other person that puts a bunch of dark pictures in the MLS they took themselves. I’m really not trying to bash everyone here, but you put out a great reminder that this is the largest financial transaction and investment in most peoples’ lives, yet someone with a 1 month education is at the wheel. Yikes!
Great read. I’m here to do it right in 2011 for sure
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