[Troy]

[quote=Secret!;192]troy: One thing I hav elkearnbed afrter posting nearly 10,000 posts on several industry discussi0on boards over the past 7 years or so, and that is that you cannot count on th esort o replies you get from staanger on the internet. Somethimes they're correct, other times, they're biased, sonmetimes they contain sufficient depth (even for the most combative personality like yours), etc.[/quote]

First and foremost, I wasn't being combative merely asking appropriate questions to probe deeper into what your information was. If you could've tossed out some facts, I would've accepted them. Hell....you could've made them up and I probably wouldn't have been the wiser. After all, 62.7% of all statistics are fabricated.

In addition, the quantity of posts doesn't necessarily equate to anything except maybe that you have more free time then I do. If I had more spare time, I might spend more time posting on boards. I mean, you say yourself that you can't count on the sort of replies you get from a stranger on the internet.

[quote=Secret!;192] Forrest Gumpo said it different, it;s like a box of chocklets, ya never know what you're gonna get! So, when I come here and post my opinion, like anybody else, I give all I intend to give most times.[/quote]

If you've given all you intend to give in your posts, do us all a favor and just start a blog. A FORUM is for discussion. If you just want to speak your mind, do it on your own blog. If you want a discussion, more information, challenges, THEN utlilize a forum.

[quote=Secret!;192] 1. The Buy-Back piece I posted contained my own memory of this issue after many years as an owner/operator plus what I have sen in indistry publications a great eal lately. Since I wasn't shooting for a "grade" or anything like that, I felt no need to dig out my own company's old records[/quote]

To date, I've owned and operated three different corporations. Most of which I have direct recall of our level of production, revenue, payroll, and how much I paid the IRS each year. After all that was my least favorite check to write each year. However, I would've thought that at the least you would have most of your company stats at your finger tips somewhere on your computer. Did you have to produce it for me...no. However, don't get pissy at me for asking what it was. At the very least, I thought it would be interesting data to benchmark against today's trends.

[quote=Secret!;192]fraud today is at run-away propoortions.[/quote]

See...this is what I'm talking about. If you're going to make an opinionated statement, back it up with something. I'm not saying that I disagree. I almost completely agree with this statement. I just want some meat behind it. Site a source, quote another article, or find a stat somewhere. I would've been hammered should I ever use terminology like this in my debating days or papers I published.


[quote=Secret!;192] Your conclusion that with me posting all th eelevent supporting data fopr my piece, it must be a "scare tactic" - I think if we let that conclusion be drawn by the grown-ups that read it, they won't come to that conclusion, since it was a suggestion for all who saw it, to prepare to protect yourselves.

Saying that it was intended as a scare tactic is childish.[/quote]

It's not childish, it's "put up or shut up." Most mortgage pros who have visited a mortgage forum know that you tend to post a lot regarding compliance regs. I'm assuming you post this in an effort to sell products via your website. If you aren't trying to promote your products, then I apologize. I'm saying, if you sited some sources or quoted some mortgage authorities, then it would lend tremendous weight to your argument (and your credibility). Not that your statements are outlandish and impossible to believe (because they aren't....I actually began this thread by agreeing with you), but that if you make a claim you should be able to back it up. If you're not prepared to defend your statement or entertain inquiries, then don't make it.

troy