How To Sell Your House By Owner Chesapeake 23320 | Slatewood Properties | (757) 750-0200

Buying a house For Sale By Owner in Chesapeake 23320 can yield savings if you are able to negotiate a lower price because the seller isn’t paying any commission.

However, additional due diligence is required because the seller has not already been vetted by a listing agent in Chesapeake 23320.

Search for FSBO Listings If you want to buy a house For Sale By Owner, you’ll need to specifically look for FSBO listings in Chesapeake 23320 on public real estate search websites.

Sell My House Online

Remember that not all real estate sites will have FSBO listings, and you won’t be able to search for FSBO listings on the MLS either.

Verify Ownership You should verify the ownership of the property and do some basic due diligence before proceeding any further with a FSBO property.

Many FSBO properties are spam listings put up by real estate agents in disguise, looking to catch direct buyers who inquire on their listings as leads.

So if you’re in need to Sell Your House Fast then you should make sure to do your homework about the entire process. Furthermore, it would benefit you to hire a real estate solutions company, such as SlatewoodVirginia.com.

Sell House Quickly

Submit an Offer It’s important to confirm with the seller what he or she would like to see from you in terms of documentation before submitting an offer.

FSBO sellers may not abide by the standards or norms commonly used by real estate professionals. If you’re in a hurry to sell your house fast, then having proper documentation ready to go will speed up the process by a long shot.

For example, it’s quite common for offer submissions to be emailed, with a mortgage pre-approval letter and a REBNY Financial Statement attached.

Sell By Owner

The offer email typically contains the offer price, the anticipated down payment, any contingencies, preferred closing date, any inclusions or exclusions, the buyer’s attorney information and a short biography.

Conduct a Home Inspection

You’ll want to conduct a home inspection if you’re buying direct from an owner.

Fast Home Buyers

This is especially true if you are purchasing free-standing property such as a single family or multi-family house.

Remember that in some states like NY, sellers can easily get around having to provide a seller property disclosure form by simply agreeing to credit the buyer $500 at closing.

Review and Negotiate the Contract

You’ll need the assistance of a lawyer to guide you through contract negotiation and diligence, especially in a state like New York where the purchase contracts can be quite long and customizable.

Office For Rent Near Me

Legal and Financial Due Diligence Your lawyer will come in handy by ordering and reviewing a title search and report on your behalf.

If you’re buying a house, your lawyer may order a survey report for you as well.

Your lawyer will review the title report and other sources to ensure that there are no outstanding liens, judgements or city violations on the property.

I Want To Sell My House

If you are buying a condo or co-op apartment, then your lawyer will also review the building’s annual financial statements, the original offering plan, any amendments to the offering plan, the building’s operating budget and the board meeting minutes.

Sign the Contract to Sell Your House Fast

It’s time to sign the contract and hand over your earnest money check once you and your lawyer have completed due diligence.

The good faith deposit is typically 10% of the contract price, and is delivered along with the signed contract to the seller’s attorney for counter-signature.

Finalize Your Financing Work

With your lender, finalize the underwriting process as soon as possible.

After you’ve provided all of the required documentation, you should receive a mortgage commitment letter.

Sell Your House Yourself
Close Your Deal

At closing, your lawyer will guide you through all the documents you’ll need to sign, and he or she will also monitor the flow of funds to make sure all checks have been properly distributed.

Sell Your House Fast Chesapeake 23320 and Everything You Need to Know:

Should I Sell My House

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>> SHE LIVED EVERYTHING DISAPPEARED.

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>> SHE LIVED IN ANOTHER EVERYTHING DISAPPEARED.

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>> IT DID NOT GO AT ALL AS >> IT DID NOT GO AT ALL AS >> IT DID NOT GO AT ALL ASEXPECTED.

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>> SHE HELD A SALE AND EXPECTED.

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BUTNEARLY 3 YEARS LATER -- ABOUT EVERYTHING IN IT.

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>> NOTHING.

>> NOTHING.

>> >> NOTHING.

>> ZERO.

>> ZERO.

>> ZERO.

>> >> ZERO.

>> ZERO.

>> ZERO.

>> ZERO.

>> >> ZERO.

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>> DESPITE THE >> ZERO.

>> DESPITE THE FACT >> ZERO.

>> DESPITE THE FACT SHE >> ZERO.

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>> OVER $14,000.

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>> >> OVER $14,000.

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IT'S PRETTY QUICK TO ANSWER.

IT'S PRETTY QUICK TO ANSWER.

>>.

>> THERE.

>> THERE HAVE.

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40 YEARS OF MY MOM'S STUFF.

40 YEARS OF MY MOM'S STUFF.

>> 40 YEARS OF MY MOM'S STUFF.

>> AFTER 40 YEARS OF MY MOM'S STUFF.

>> AFTER THAT 40 YEARS OF MY MOM'S STUFF.

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IT RIGHT.

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RECEIVED ANY MORE MONEY.

RECEIVED ANY MORE MONEY.

INSTEAD RECEIVED ANY MORE MONEY.

INSTEAD DOVE RECEIVED ANY MORE MONEY.

INSTEAD DOVE HAS RECEIVED ANY MORE MONEY.

INSTEAD DOVE HAS OPENED RECEIVED ANY MORE MONEY.

INSTEAD DOVE HAS OPENED A RECEIVED ANY MORE MONEY.

INSTEAD DOVE HAS OPENED A NEW INSTEAD DOVE HAS OPENED A NEW INSTEAD DOVE HAS OPENED A NEWBUSINESS INSTEAD DOVE HAS OPENED A NEWBUSINESS IN INSTEAD DOVE HAS OPENED A NEWBUSINESS IN DOWNTOWN INSTEAD DOVE HAS OPENED A NEWBUSINESS IN DOWNTOWN AUBURN.

BUSINESS IN DOWNTOWN AUBURN.

BUSINESS IN DOWNTOWN AUBURN.

WE BUSINESS IN DOWNTOWN AUBURN.

WE SENT BUSINESS IN DOWNTOWN AUBURN.

WE SENT ONE BUSINESS IN DOWNTOWN AUBURN.

WE SENT ONE OF BUSINESS IN DOWNTOWN AUBURN.

WE SENT ONE OF OUR BUSINESS IN DOWNTOWN AUBURN.

WE SENT ONE OF OUR PRODUCERS WE SENT ONE OF OUR PRODUCERS WE SENT ONE OF OUR PRODUCERSINSIDE WE SENT ONE OF OUR PRODUCERSINSIDE TO WE SENT ONE OF OUR PRODUCERSINSIDE TO LOOK WE SENT ONE OF OUR PRODUCERSINSIDE TO LOOK AROUND.

INSIDE TO LOOK AROUND.

INSIDE TO LOOK AROUND.

>> INSIDE TO LOOK AROUND.

>> SHE INSIDE TO LOOK AROUND.

>> SHE SHOULDN'T INSIDE TO LOOK AROUND.

>> SHE SHOULDN'T HAVE INSIDE TO LOOK AROUND.

>> SHE SHOULDN'T HAVE THAT.

>> SHE SHOULDN'T HAVE THAT.

>> SHE SHOULDN'T HAVE THAT.

>> >> SHE SHOULDN'T HAVE THAT.

>> WE >> SHE SHOULDN'T HAVE THAT.

>> WE FOUND >> SHE SHOULDN'T HAVE THAT.

>> WE FOUND A >> SHE SHOULDN'T HAVE THAT.

>> WE FOUND A FEW >> SHE SHOULDN'T HAVE THAT.

>> WE FOUND A FEW ITEMS >> SHE SHOULDN'T HAVE THAT.

>> WE FOUND A FEW ITEMS THAT >> WE FOUND A FEW ITEMS THAT >> WE FOUND A FEW ITEMS THATLOOKED >> WE FOUND A FEW ITEMS THATLOOKED AWFULLY >> WE FOUND A FEW ITEMS THATLOOKED AWFULLY FAMILIAR.

LOOKED AWFULLY FAMILIAR.

LOOKED AWFULLY FAMILIAR.

>> LOOKED AWFULLY FAMILIAR.

>> THAT LOOKED AWFULLY FAMILIAR.

>> THAT WAS LOOKED AWFULLY FAMILIAR.

>> THAT WAS IN LOOKED AWFULLY FAMILIAR.

>> THAT WAS IN HER LOOKED AWFULLY FAMILIAR.

>> THAT WAS IN HER FORMAL >> THAT WAS IN HER FORMAL >> THAT WAS IN HER FORMALSITTING >> THAT WAS IN HER FORMALSITTING ROOM.

SITTING ROOM.

SITTING ROOM.

>> SITTING ROOM.

>> THIS SITTING ROOM.

>> THIS IS SITTING ROOM.

>> THIS IS THE SITTING ROOM.

>> THIS IS THE RUG SITTING ROOM.

>> THIS IS THE RUG IN SITTING ROOM.

>> THIS IS THE RUG IN THE >> THIS IS THE RUG IN THE >> THIS IS THE RUG IN THESTORE, >> THIS IS THE RUG IN THESTORE, BUT >> THIS IS THE RUG IN THESTORE, BUT THIS >> THIS IS THE RUG IN THESTORE, BUT THIS IS >> THIS IS THE RUG IN THESTORE, BUT THIS IS A >> THIS IS THE RUG IN THESTORE, BUT THIS IS A PICTURE STORE, BUT THIS IS A PICTURE STORE, BUT THIS IS A PICTURESHE STORE, BUT THIS IS A PICTURESHE HAS STORE, BUT THIS IS A PICTURESHE HAS OF STORE, BUT THIS IS A PICTURESHE HAS OF IT STORE, BUT THIS IS A PICTURESHE HAS OF IT IN STORE, BUT THIS IS A PICTURESHE HAS OF IT IN HER STORE, BUT THIS IS A PICTURESHE HAS OF IT IN HER MOM'S SHE HAS OF IT IN HER MOM'S SHE HAS OF IT IN HER MOM'SHOUSE SHE HAS OF IT IN HER MOM'SHOUSE AND SHE HAS OF IT IN HER MOM'SHOUSE AND THIS SHE HAS OF IT IN HER MOM'SHOUSE AND THIS IS SHE HAS OF IT IN HER MOM'SHOUSE AND THIS IS THE SHE HAS OF IT IN HER MOM'SHOUSE AND THIS IS THE PHOTO HOUSE AND THIS IS THE PHOTO HOUSE AND THIS IS THE PHOTOUSED HOUSE AND THIS IS THE PHOTOUSED IN HOUSE AND THIS IS THE PHOTOUSED IN THE HOUSE AND THIS IS THE PHOTOUSED IN THE ESTATE HOUSE AND THIS IS THE PHOTOUSED IN THE ESTATE SALE.

USED IN THE ESTATE SALE.

USED IN THE ESTATE SALE.

THEN USED IN THE ESTATE SALE.

THEN THERE'S USED IN THE ESTATE SALE.

THEN THERE'S THIS USED IN THE ESTATE SALE.

THEN THERE'S THIS PAINTING.

THEN THERE'S THIS PAINTING.

THEN THERE'S THIS PAINTING.

>> THEN THERE'S THIS PAINTING.

>> IT THEN THERE'S THIS PAINTING.

>> IT WAS THEN THERE'S THIS PAINTING.

>> IT WAS ABOVE THEN THERE'S THIS PAINTING.

>> IT WAS ABOVE THE THEN THERE'S THIS PAINTING.

>> IT WAS ABOVE THE DRESSER THEN THERE'S THIS PAINTING.

>> IT WAS ABOVE THE DRESSER IN >> IT WAS ABOVE THE DRESSER IN >> IT WAS ABOVE THE DRESSER INHER >> IT WAS ABOVE THE DRESSER INHER GUEST >> IT WAS ABOVE THE DRESSER INHER GUEST BEDROOM.

HER GUEST BEDROOM.

HER GUEST BEDROOM.

>> HER GUEST BEDROOM.

>> SHE HER GUEST BEDROOM.

>> SHE CAN'T HER GUEST BEDROOM.

>> SHE CAN'T PROVE HER GUEST BEDROOM.

>> SHE CAN'T PROVE THEY'RE HER GUEST BEDROOM.

>> SHE CAN'T PROVE THEY'RE THE >> SHE CAN'T PROVE THEY'RE THE >> SHE CAN'T PROVE THEY'RE THESAME.

SAME.

SAME.

THERE SAME.

THERE ARE SAME.

THERE ARE OTHER SAME.

THERE ARE OTHER ITEMS SAME.

THERE ARE OTHER ITEMS THAT SAME.

THERE ARE OTHER ITEMS THAT LOOK THERE ARE OTHER ITEMS THAT LOOK THERE ARE OTHER ITEMS THAT LOOKIDENTICAL THERE ARE OTHER ITEMS THAT LOOKIDENTICAL TO THERE ARE OTHER ITEMS THAT LOOKIDENTICAL TO ITEMS THERE ARE OTHER ITEMS THAT LOOKIDENTICAL TO ITEMS LISTED THERE ARE OTHER ITEMS THAT LOOKIDENTICAL TO ITEMS LISTED IN IDENTICAL TO ITEMS LISTED IN IDENTICAL TO ITEMS LISTED INOTHER IDENTICAL TO ITEMS LISTED INOTHER ESTATE IDENTICAL TO ITEMS LISTED INOTHER ESTATE SALES.

OTHER ESTATE SALES.

OTHER ESTATE SALES.

EVEN OTHER ESTATE SALES.

EVEN WITH OTHER ESTATE SALES.

EVEN WITH THESE OTHER ESTATE SALES.

EVEN WITH THESE ACCUSATIONS EVEN WITH THESE ACCUSATIONS EVEN WITH THESE ACCUSATIONSCATHY EVEN WITH THESE ACCUSATIONSCATHY ISN'T EVEN WITH THESE ACCUSATIONSCATHY ISN'T HIDING.

CATHY ISN'T HIDING.

CATHY ISN'T HIDING.

SHE CATHY ISN'T HIDING.

SHE IS CATHY ISN'T HIDING.

SHE IS SELLING CATHY ISN'T HIDING.

SHE IS SELLING THIS CATHY ISN'T HIDING.

SHE IS SELLING THIS STUFF CATHY ISN'T HIDING.

SHE IS SELLING THIS STUFF JUST SHE IS SELLING THIS STUFF JUST SHE IS SELLING THIS STUFF JUSTFEET SHE IS SELLING THIS STUFF JUSTFEET AWAY SHE IS SELLING THIS STUFF JUSTFEET AWAY FROM SHE IS SELLING THIS STUFF JUSTFEET AWAY FROM THE SHE IS SELLING THIS STUFF JUSTFEET AWAY FROM THE TOWN'S FEET AWAY FROM THE TOWN'S FEET AWAY FROM THE TOWN'SCITY FEET AWAY FROM THE TOWN'SCITY HALL FEET AWAY FROM THE TOWN'SCITY HALL AND FEET AWAY FROM THE TOWN'SCITY HALL AND JUST FEET AWAY FROM THE TOWN'SCITY HALL AND JUST A FEET AWAY FROM THE TOWN'SCITY HALL AND JUST A FEW FEET AWAY FROM THE TOWN'SCITY HALL AND JUST A FEW MORE CITY HALL AND JUST A FEW MORE CITY HALL AND JUST A FEW MORESTEPS CITY HALL AND JUST A FEW MORESTEPS FROM CITY HALL AND JUST A FEW MORESTEPS FROM THE CITY HALL AND JUST A FEW MORESTEPS FROM THE LOCAL CITY HALL AND JUST A FEW MORESTEPS FROM THE LOCAL POLICE STEPS FROM THE LOCAL POLICE STEPS FROM THE LOCAL POLICEDEPARTMENT.

DEPARTMENT.

DEPARTMENT.

>>.

>> YOU.

>> YOU HAVE.

>> YOU HAVE SOMEONE.

>> YOU HAVE SOMEONE IN.

>> YOU HAVE SOMEONE IN ESSENCE >> YOU HAVE SOMEONE IN ESSENCE >> YOU HAVE SOMEONE IN ESSENCE[INAUDIBLE] [INAUDIBLE] [INAUDIBLE]STEALING [INAUDIBLE]STEALING IN [INAUDIBLE]STEALING IN PLAIN [INAUDIBLE]STEALING IN PLAIN SIGHT.

STEALING IN PLAIN SIGHT.

STEALING IN PLAIN SIGHT.

>> STEALING IN PLAIN SIGHT.

>> THAT'S STEALING IN PLAIN SIGHT.

>> THAT'S THE STEALING IN PLAIN SIGHT.

>> THAT'S THE COUNTY STEALING IN PLAIN SIGHT.

>> THAT'S THE COUNTY SHERIFF >> THAT'S THE COUNTY SHERIFF >> THAT'S THE COUNTY SHERIFFEVEN >> THAT'S THE COUNTY SHERIFFEVEN THOUGH >> THAT'S THE COUNTY SHERIFFEVEN THOUGH HE >> THAT'S THE COUNTY SHERIFFEVEN THOUGH HE USED >> THAT'S THE COUNTY SHERIFFEVEN THOUGH HE USED THE >> THAT'S THE COUNTY SHERIFFEVEN THOUGH HE USED THE WORD EVEN THOUGH HE USED THE WORD EVEN THOUGH HE USED THE WORDSTEALING EVEN THOUGH HE USED THE WORDSTEALING HE EVEN THOUGH HE USED THE WORDSTEALING HE SAYS EVEN THOUGH HE USED THE WORDSTEALING HE SAYS POLICE STEALING HE SAYS POLICE STEALING HE SAYS POLICEINVESTIGATE STEALING HE SAYS POLICEINVESTIGATE CRIMES, STEALING HE SAYS POLICEINVESTIGATE CRIMES, AND STEALING HE SAYS POLICEINVESTIGATE CRIMES, AND KATHY INVESTIGATE CRIMES, AND KATHY INVESTIGATE CRIMES, AND KATHYDOVE INVESTIGATE CRIMES, AND KATHYDOVE ISN'T INVESTIGATE CRIMES, AND KATHYDOVE ISN'T COMMITTING INVESTIGATE CRIMES, AND KATHYDOVE ISN'T COMMITTING ONE, DOVE ISN'T COMMITTING ONE, DOVE ISN'T COMMITTING ONE,SIMPLY DOVE ISN'T COMMITTING ONE,SIMPLY VIOLATING DOVE ISN'T COMMITTING ONE,SIMPLY VIOLATING HER DOVE ISN'T COMMITTING ONE,SIMPLY VIOLATING HER CONTRACT.

SIMPLY VIOLATING HER CONTRACT.

SIMPLY VIOLATING HER CONTRACT.

>> SIMPLY VIOLATING HER CONTRACT.

>> AT SIMPLY VIOLATING HER CONTRACT.

>> AT WHAT SIMPLY VIOLATING HER CONTRACT.

>> AT WHAT POINT SIMPLY VIOLATING HER CONTRACT.

>> AT WHAT POINT IN SIMPLY VIOLATING HER CONTRACT.

>> AT WHAT POINT IN TIME SIMPLY VIOLATING HER CONTRACT.

>> AT WHAT POINT IN TIME DOES >> AT WHAT POINT IN TIME DOES >> AT WHAT POINT IN TIME DOESVIOLATING >> AT WHAT POINT IN TIME DOESVIOLATING A >> AT WHAT POINT IN TIME DOESVIOLATING A CIVIL >> AT WHAT POINT IN TIME DOESVIOLATING A CIVIL CONTRACT VIOLATING A CIVIL CONTRACT VIOLATING A CIVIL CONTRACTBECOME VIOLATING A CIVIL CONTRACTBECOME A VIOLATING A CIVIL CONTRACTBECOME A PATTERN VIOLATING A CIVIL CONTRACTBECOME A PATTERN THAT VIOLATING A CIVIL CONTRACTBECOME A PATTERN THAT SHOWS VIOLATING A CIVIL CONTRACTBECOME A PATTERN THAT SHOWS A BECOME A PATTERN THAT SHOWS A BECOME A PATTERN THAT SHOWS ACRIMINAL BECOME A PATTERN THAT SHOWS ACRIMINAL ACT? CRIMINAL ACT? CRIMINAL ACT?.

>>WELL,.

>>WELL, UNFORTUNATELY.

>>WELL, UNFORTUNATELY BEING.

>>WELL, UNFORTUNATELY BEING A >>WELL, UNFORTUNATELY BEING A >>WELL, UNFORTUNATELY BEING ABAD >>WELL, UNFORTUNATELY BEING ABAD PERSON >>WELL, UNFORTUNATELY BEING ABAD PERSON IS >>WELL, UNFORTUNATELY BEING ABAD PERSON IS NOT >>WELL, UNFORTUNATELY BEING ABAD PERSON IS NOT ILLEGAL.

BAD PERSON IS NOT ILLEGAL.

BAD PERSON IS NOT ILLEGAL.

>> BAD PERSON IS NOT ILLEGAL.

>> DO BAD PERSON IS NOT ILLEGAL.

>> DO YOU BAD PERSON IS NOT ILLEGAL.

>> DO YOU FEEL BAD PERSON IS NOT ILLEGAL.

>> DO YOU FEEL LIKE BAD PERSON IS NOT ILLEGAL.

>> DO YOU FEEL LIKE WHAT >> DO YOU FEEL LIKE WHAT >> DO YOU FEEL LIKE WHATHAPPENED >> DO YOU FEEL LIKE WHATHAPPENED TO >> DO YOU FEEL LIKE WHATHAPPENED TO YOU >> DO YOU FEEL LIKE WHATHAPPENED TO YOU IS >> DO YOU FEEL LIKE WHATHAPPENED TO YOU IS A >> DO YOU FEEL LIKE WHATHAPPENED TO YOU IS A CRIME? HAPPENED TO YOU IS A CRIME? HAPPENED TO YOU IS A CRIME?>> HAPPENED TO YOU IS A CRIME?>> ABSOLUTELY, HAPPENED TO YOU IS A CRIME?>> ABSOLUTELY, YES.

>> ABSOLUTELY, YES.

>> ABSOLUTELY, YES.

SHE >> ABSOLUTELY, YES.

SHE EMPTIED >> ABSOLUTELY, YES.

SHE EMPTIED MY >> ABSOLUTELY, YES.

SHE EMPTIED MY MOTHER'S >> ABSOLUTELY, YES.

SHE EMPTIED MY MOTHER'S ENTIRE SHE EMPTIED MY MOTHER'S ENTIRE SHE EMPTIED MY MOTHER'S ENTIREHOME, SHE EMPTIED MY MOTHER'S ENTIREHOME, JEWELRY, SHE EMPTIED MY MOTHER'S ENTIREHOME, JEWELRY, CLOTHES, HOME, JEWELRY, CLOTHES, HOME, JEWELRY, CLOTHES,FURNITURE HOME, JEWELRY, CLOTHES,FURNITURE EVERYTHING.

FURNITURE EVERYTHING.

FURNITURE EVERYTHING.

>> FURNITURE EVERYTHING.

>> STILL FURNITURE EVERYTHING.

>> STILL HE FURNITURE EVERYTHING.

>> STILL HE SAYS FURNITURE EVERYTHING.

>> STILL HE SAYS IT FURNITURE EVERYTHING.

>> STILL HE SAYS IT IS FURNITURE EVERYTHING.

>> STILL HE SAYS IT IS UP FURNITURE EVERYTHING.

>> STILL HE SAYS IT IS UP TO >> STILL HE SAYS IT IS UP TO >> STILL HE SAYS IT IS UP TOTHE >> STILL HE SAYS IT IS UP TOTHE VICTIMS >> STILL HE SAYS IT IS UP TOTHE VICTIMS TO >> STILL HE SAYS IT IS UP TOTHE VICTIMS TO PROVE >> STILL HE SAYS IT IS UP TOTHE VICTIMS TO PROVE NOT >> STILL HE SAYS IT IS UP TOTHE VICTIMS TO PROVE NOT TO THE VICTIMS TO PROVE NOT TO THE VICTIMS TO PROVE NOT TOPOLICE THE VICTIMS TO PROVE NOT TOPOLICE BUT THE VICTIMS TO PROVE NOT TOPOLICE BUT TO THE VICTIMS TO PROVE NOT TOPOLICE BUT TO A THE VICTIMS TO PROVE NOT TOPOLICE BUT TO A JUDGE.

POLICE BUT TO A JUDGE.

POLICE BUT TO A JUDGE.

>>.

>> EXTREMELY.

>> EXTREMELY DIFFICULT.

>> EXTREMELY DIFFICULT.

>> EXTREMELY DIFFICULT.

>> >> EXTREMELY DIFFICULT.

>> AND >> EXTREMELY DIFFICULT.

>> AND THAT >> EXTREMELY DIFFICULT.

>> AND THAT JUDGE >> EXTREMELY DIFFICULT.

>> AND THAT JUDGE CAN >> EXTREMELY DIFFICULT.

>> AND THAT JUDGE CAN ONLY >> EXTREMELY DIFFICULT.

>> AND THAT JUDGE CAN ONLY RULE >> AND THAT JUDGE CAN ONLY RULE >> AND THAT JUDGE CAN ONLY RULEON >> AND THAT JUDGE CAN ONLY RULEON WHAT >> AND THAT JUDGE CAN ONLY RULEON WHAT HAPPENED >> AND THAT JUDGE CAN ONLY RULEON WHAT HAPPENED IN >> AND THAT JUDGE CAN ONLY RULEON WHAT HAPPENED IN THEIR ON WHAT HAPPENED IN THEIR ON WHAT HAPPENED IN THEIRCOUNTY.

COUNTY.

COUNTY.

DOVE'S COUNTY.

DOVE'S VICTIMS COUNTY.

DOVE'S VICTIMS ARE COUNTY.

DOVE'S VICTIMS ARE SCATTERED DOVE'S VICTIMS ARE SCATTERED DOVE'S VICTIMS ARE SCATTEREDTHROUGHOUT DOVE'S VICTIMS ARE SCATTEREDTHROUGHOUT THE DOVE'S VICTIMS ARE SCATTEREDTHROUGHOUT THE METRO.

THROUGHOUT THE METRO.

THROUGHOUT THE METRO.

THEY THROUGHOUT THE METRO.

THEY CAN THROUGHOUT THE METRO.

THEY CAN FILE THROUGHOUT THE METRO.

THEY CAN FILE A THROUGHOUT THE METRO.

THEY CAN FILE A CIVIL THROUGHOUT THE METRO.

THEY CAN FILE A CIVIL LAWSUIT THEY CAN FILE A CIVIL LAWSUIT THEY CAN FILE A CIVIL LAWSUITAND THEY CAN FILE A CIVIL LAWSUITAND DEMAND THEY CAN FILE A CIVIL LAWSUITAND DEMAND ANY THEY CAN FILE A CIVIL LAWSUITAND DEMAND ANY MONEY THEY CAN FILE A CIVIL LAWSUITAND DEMAND ANY MONEY OWED THEY CAN FILE A CIVIL LAWSUITAND DEMAND ANY MONEY OWED BUT AND DEMAND ANY MONEY OWED BUT AND DEMAND ANY MONEY OWED BUTFOR AND DEMAND ANY MONEY OWED BUTFOR THAT AND DEMAND ANY MONEY OWED BUTFOR THAT THEY AND DEMAND ANY MONEY OWED BUTFOR THAT THEY HAVE AND DEMAND ANY MONEY OWED BUTFOR THAT THEY HAVE TO AND DEMAND ANY MONEY OWED BUTFOR THAT THEY HAVE TO GO AND DEMAND ANY MONEY OWED BUTFOR THAT THEY HAVE TO GO TO AND DEMAND ANY MONEY OWED BUTFOR THAT THEY HAVE TO GO TO THE FOR THAT THEY HAVE TO GO TO THE FOR THAT THEY HAVE TO GO TO THECOUNTY FOR THAT THEY HAVE TO GO TO THECOUNTY WHERE FOR THAT THEY HAVE TO GO TO THECOUNTY WHERE HER FOR THAT THEY HAVE TO GO TO THECOUNTY WHERE HER BUSINESS FOR THAT THEY HAVE TO GO TO THECOUNTY WHERE HER BUSINESS IS COUNTY WHERE HER BUSINESS IS COUNTY WHERE HER BUSINESS ISLOCATED, COUNTY WHERE HER BUSINESS ISLOCATED, AND COUNTY WHERE HER BUSINESS ISLOCATED, AND THAT COUNTY WHERE HER BUSINESS ISLOCATED, AND THAT IS COUNTY WHERE HER BUSINESS ISLOCATED, AND THAT IS WHERE COUNTY WHERE HER BUSINESS ISLOCATED, AND THAT IS WHERE THE LOCATED, AND THAT IS WHERE THE LOCATED, AND THAT IS WHERE THESHERIFF LOCATED, AND THAT IS WHERE THESHERIFF COMES LOCATED, AND THAT IS WHERE THESHERIFF COMES IN.

SHERIFF COMES IN.

SHERIFF COMES IN.

IT SHERIFF COMES IN.

IT DOESN'T SHERIFF COMES IN.

IT DOESN'T SOUND SHERIFF COMES IN.

IT DOESN'T SOUND LIKE SHERIFF COMES IN.

IT DOESN'T SOUND LIKE SHE'S IT DOESN'T SOUND LIKE SHE'S IT DOESN'T SOUND LIKE SHE'SBEEN IT DOESN'T SOUND LIKE SHE'SBEEN EASY IT DOESN'T SOUND LIKE SHE'SBEEN EASY TO IT DOESN'T SOUND LIKE SHE'SBEEN EASY TO SERVE.

BEEN EASY TO SERVE.

BEEN EASY TO SERVE.

>> BEEN EASY TO SERVE.

>> NO, BEEN EASY TO SERVE.

>> NO, VERY BEEN EASY TO SERVE.

>> NO, VERY DIFFICULT.

>> NO, VERY DIFFICULT.

>> NO, VERY DIFFICULT.

EXTREMELY >> NO, VERY DIFFICULT.

EXTREMELY DIFFICULT.

EXTREMELY DIFFICULT.

EXTREMELY DIFFICULT.

MYDEPUTIES EXTREMELY DIFFICULT.

MYDEPUTIES ONE EXTREMELY DIFFICULT.

MYDEPUTIES ONE EVEN EXTREMELY DIFFICULT.

MYDEPUTIES ONE EVEN STATED EXTREMELY DIFFICULT.

MYDEPUTIES ONE EVEN STATED I MYDEPUTIES ONE EVEN STATED I MYDEPUTIES ONE EVEN STATED ICAN MYDEPUTIES ONE EVEN STATED ICAN DRIVE MYDEPUTIES ONE EVEN STATED ICAN DRIVE TO MYDEPUTIES ONE EVEN STATED ICAN DRIVE TO HER MYDEPUTIES ONE EVEN STATED ICAN DRIVE TO HER HOUSE CAN DRIVE TO HER HOUSE CAN DRIVE TO HER HOUSEBLINDFOLDED.

BLINDFOLDED.

BLINDFOLDED.

>> BLINDFOLDED.

>> AND BLINDFOLDED.

>> AND YET BLINDFOLDED.

>> AND YET HAS BLINDFOLDED.

>> AND YET HAS SHE BLINDFOLDED.

>> AND YET HAS SHE PAID BLINDFOLDED.

>> AND YET HAS SHE PAID A >> AND YET HAS SHE PAID A >> AND YET HAS SHE PAID ADIME? DIME? DIME?>> DIME?>> NO, DIME?>> NO, NOT DIME?>> NO, NOT THAT DIME?>> NO, NOT THAT I'M DIME?>> NO, NOT THAT I'M AWARE DIME?>> NO, NOT THAT I'M AWARE OF.

>> NO, NOT THAT I'M AWARE OF.

>> NO, NOT THAT I'M AWARE OF.

>> >> NO, NOT THAT I'M AWARE OF.

>> [INAUDIBLE] >> [INAUDIBLE] >> [INAUDIBLE]AS >> [INAUDIBLE]AS PAYMENT.

AS PAYMENT.

AS PAYMENT.

WE AS PAYMENT.

WE WERE AS PAYMENT.

WE WERE THERE AS PAYMENT.

WE WERE THERE AS AS PAYMENT.

WE WERE THERE AS THE AS PAYMENT.

WE WERE THERE AS THE DEPUTY WE WERE THERE AS THE DEPUTY WE WERE THERE AS THE DEPUTYTRIED WE WERE THERE AS THE DEPUTYTRIED TO WE WERE THERE AS THE DEPUTYTRIED TO COLLECT.

TRIED TO COLLECT.

TRIED TO COLLECT.

HEFIRST TRIED TO COLLECT.

HEFIRST ASKED TRIED TO COLLECT.

HEFIRST ASKED DOVE TRIED TO COLLECT.

HEFIRST ASKED DOVE IF TRIED TO COLLECT.

HEFIRST ASKED DOVE IF SHE TRIED TO COLLECT.

HEFIRST ASKED DOVE IF SHE HAD HEFIRST ASKED DOVE IF SHE HAD HEFIRST ASKED DOVE IF SHE HADANY HEFIRST ASKED DOVE IF SHE HADANY OF HEFIRST ASKED DOVE IF SHE HADANY OF THE HEFIRST ASKED DOVE IF SHE HADANY OF THE MONEY HEFIRST ASKED DOVE IF SHE HADANY OF THE MONEY OWED, HEFIRST ASKED DOVE IF SHE HADANY OF THE MONEY OWED, ALL ANY OF THE MONEY OWED, ALL ANY OF THE MONEY OWED, ALL$6,769 ANY OF THE MONEY OWED, ALL$6,769 OF ANY OF THE MONEY OWED, ALL$6,769 OF IT ANY OF THE MONEY OWED, ALL$6,769 OF IT IN ANY OF THE MONEY OWED, ALL$6,769 OF IT IN CASH.

$6,769 OF IT IN CASH.

$6,769 OF IT IN CASH.

SHE $6,769 OF IT IN CASH.

SHE LAUGHED $6,769 OF IT IN CASH.

SHE LAUGHED AND $6,769 OF IT IN CASH.

SHE LAUGHED AND TOLD $6,769 OF IT IN CASH.

SHE LAUGHED AND TOLD THEM $6,769 OF IT IN CASH.

SHE LAUGHED AND TOLD THEM NO SHE LAUGHED AND TOLD THEM NO SHE LAUGHED AND TOLD THEM NOWITHOUT SHE LAUGHED AND TOLD THEM NOWITHOUT EVEN SHE LAUGHED AND TOLD THEM NOWITHOUT EVEN OFFERING SHE LAUGHED AND TOLD THEM NOWITHOUT EVEN OFFERING ANY WITHOUT EVEN OFFERING ANY WITHOUT EVEN OFFERING ANYPROPERTY WITHOUT EVEN OFFERING ANYPROPERTY THAT WITHOUT EVEN OFFERING ANYPROPERTY THAT COULD WITHOUT EVEN OFFERING ANYPROPERTY THAT COULD HELP WITHOUT EVEN OFFERING ANYPROPERTY THAT COULD HELP SETTLE PROPERTY THAT COULD HELP SETTLE PROPERTY THAT COULD HELP SETTLETHE PROPERTY THAT COULD HELP SETTLETHE DEBT PROPERTY THAT COULD HELP SETTLETHE DEBT THE PROPERTY THAT COULD HELP SETTLETHE DEBT THE DEPUTY PROPERTY THAT COULD HELP SETTLETHE DEBT THE DEPUTY LEAVES.

THE DEBT THE DEPUTY LEAVES.

THE DEBT THE DEPUTY LEAVES.

BUT THE DEBT THE DEPUTY LEAVES.

BUT THAT'S THE DEBT THE DEPUTY LEAVES.

BUT THAT'S THE THE DEBT THE DEPUTY LEAVES.

BUT THAT'S THE SYSTEM.

BUT THAT'S THE SYSTEM.

BUT THAT'S THE SYSTEM.

AND BUT THAT'S THE SYSTEM.

AND ALL BUT THAT'S THE SYSTEM.

AND ALL THAT BUT THAT'S THE SYSTEM.

AND ALL THAT COSTS BUT THAT'S THE SYSTEM.

AND ALL THAT COSTS MONEY? AND ALL THAT COSTS MONEY? AND ALL THAT COSTS MONEY?>> AND ALL THAT COSTS MONEY?>> EVERY AND ALL THAT COSTS MONEY?>> EVERY FILING, AND ALL THAT COSTS MONEY?>> EVERY FILING, EVERYTHING >> EVERY FILING, EVERYTHING >> EVERY FILING, EVERYTHINGCOSTS >> EVERY FILING, EVERYTHINGCOSTS MONEY.

COSTS MONEY.

COSTS MONEY.

>> COSTS MONEY.

>> WE COSTS MONEY.

>> WE TRIED COSTS MONEY.

>> WE TRIED AGAIN COSTS MONEY.

>> WE TRIED AGAIN TO COSTS MONEY.

>> WE TRIED AGAIN TO ASK COSTS MONEY.

>> WE TRIED AGAIN TO ASK DOVE >> WE TRIED AGAIN TO ASK DOVE >> WE TRIED AGAIN TO ASK DOVEABOUT >> WE TRIED AGAIN TO ASK DOVEABOUT THE >> WE TRIED AGAIN TO ASK DOVEABOUT THE ITEMS >> WE TRIED AGAIN TO ASK DOVEABOUT THE ITEMS IN >> WE TRIED AGAIN TO ASK DOVEABOUT THE ITEMS IN HER >> WE TRIED AGAIN TO ASK DOVEABOUT THE ITEMS IN HER STORE ABOUT THE ITEMS IN HER STORE ABOUT THE ITEMS IN HER STOREAND ABOUT THE ITEMS IN HER STOREAND THE ABOUT THE ITEMS IN HER STOREAND THE CLAIMS ABOUT THE ITEMS IN HER STOREAND THE CLAIMS AGAINST ABOUT THE ITEMS IN HER STOREAND THE CLAIMS AGAINST HER.

AND THE CLAIMS AGAINST HER.

AND THE CLAIMS AGAINST HER.

>> AND THE CLAIMS AGAINST HER.

>> PLEASE AND THE CLAIMS AGAINST HER.

>> PLEASE GET AND THE CLAIMS AGAINST HER.

>> PLEASE GET OFF AND THE CLAIMS AGAINST HER.

>> PLEASE GET OFF MY AND THE CLAIMS AGAINST HER.

>> PLEASE GET OFF MY PROPERTY.

>> PLEASE GET OFF MY PROPERTY.

>> PLEASE GET OFF MY PROPERTY.

>> >> PLEASE GET OFF MY PROPERTY.

>> SHE >> PLEASE GET OFF MY PROPERTY.

>> SHE HAD >> PLEASE GET OFF MY PROPERTY.

>> SHE HAD NOTHING >> PLEASE GET OFF MY PROPERTY.

>> SHE HAD NOTHING TO >> PLEASE GET OFF MY PROPERTY.

>> SHE HAD NOTHING TO SAY >> PLEASE GET OFF MY PROPERTY.

>> SHE HAD NOTHING TO SAY TO >> SHE HAD NOTHING TO SAY TO >> SHE HAD NOTHING TO SAY TOME.

ME.

ME.

LISTEN ME.

LISTEN TO ME.

LISTEN TO WHAT ME.

LISTEN TO WHAT SHE ME.

LISTEN TO WHAT SHE TOLD ME.

LISTEN TO WHAT SHE TOLD OUR LISTEN TO WHAT SHE TOLD OUR LISTEN TO WHAT SHE TOLD OURPRODUCER LISTEN TO WHAT SHE TOLD OURPRODUCER WHEN LISTEN TO WHAT SHE TOLD OURPRODUCER WHEN SHE LISTEN TO WHAT SHE TOLD OURPRODUCER WHEN SHE WENT LISTEN TO WHAT SHE TOLD OURPRODUCER WHEN SHE WENT IN LISTEN TO WHAT SHE TOLD OURPRODUCER WHEN SHE WENT IN THE PRODUCER WHEN SHE WENT IN THE PRODUCER WHEN SHE WENT IN THESTORE.

STORE.

STORE.

>> STORE.

>> WHY STORE.

>> WHY WHERE STORE.

>> WHY WHERE DO STORE.

>> WHY WHERE DO YOU STORE.

>> WHY WHERE DO YOU BUY STORE.

>> WHY WHERE DO YOU BUY SOME STORE.

>> WHY WHERE DO YOU BUY SOME OF >> WHY WHERE DO YOU BUY SOME OF >> WHY WHERE DO YOU BUY SOME OFTHIS >> WHY WHERE DO YOU BUY SOME OFTHIS STUFF.

THIS STUFF.

THIS STUFF.

>> THIS STUFF.

>> ESTATE THIS STUFF.

>> ESTATE SALES.

>> ESTATE SALES.

>> ESTATE SALES.

>> >> ESTATE SALES.

>> AS >> ESTATE SALES.

>> AS YOU >> ESTATE SALES.

>> AS YOU CAN >> ESTATE SALES.

>> AS YOU CAN IMAGINE >> ESTATE SALES.

>> AS YOU CAN IMAGINE SHE >> ESTATE SALES.

>> AS YOU CAN IMAGINE SHE HAS >> ESTATE SALES.

>> AS YOU CAN IMAGINE SHE HAS A >> AS YOU CAN IMAGINE SHE HAS A >> AS YOU CAN IMAGINE SHE HAS AFEW >> AS YOU CAN IMAGINE SHE HAS AFEW WORDS >> AS YOU CAN IMAGINE SHE HAS AFEW WORDS OF >> AS YOU CAN IMAGINE SHE HAS AFEW WORDS OF HER >> AS YOU CAN IMAGINE SHE HAS AFEW WORDS OF HER OWN.

FEW WORDS OF HER OWN.

FEW WORDS OF HER OWN.

>> FEW WORDS OF HER OWN.

>> FOR FEW WORDS OF HER OWN.

>> FOR ALL FEW WORDS OF HER OWN.

>> FOR ALL OF FEW WORDS OF HER OWN.

>> FOR ALL OF IT FEW WORDS OF HER OWN.

>> FOR ALL OF IT TO FEW WORDS OF HER OWN.

>> FOR ALL OF IT TO BE FEW WORDS OF HER OWN.

>> FOR ALL OF IT TO BE GONE >> FOR ALL OF IT TO BE GONE >> FOR ALL OF IT TO BE GONELIKE >> FOR ALL OF IT TO BE GONELIKE THAT >> FOR ALL OF IT TO BE GONELIKE THAT IT'S >> FOR ALL OF IT TO BE GONELIKE THAT IT'S KIND >> FOR ALL OF IT TO BE GONELIKE THAT IT'S KIND OF >> FOR ALL OF IT TO BE GONELIKE THAT IT'S KIND OF TOUGH >> FOR ALL OF IT TO BE GONELIKE THAT IT'S KIND OF TOUGH TO LIKE THAT IT'S KIND OF TOUGH TO LIKE THAT IT'S KIND OF TOUGH TOSWALLOW.

SWALLOW.

SWALLOW.

>> SWALLOW.

>> SHE SWALLOW.

>> SHE INSISTS SWALLOW.

>> SHE INSISTS IT'S SWALLOW.

>> SHE INSISTS IT'S NOT SWALLOW.

>> SHE INSISTS IT'S NOT ABOUT >> SHE INSISTS IT'S NOT ABOUT >> SHE INSISTS IT'S NOT ABOUTSTUFF.

STUFF.

STUFF.

SHE'S STUFF.

SHE'S TAKEN STUFF.

SHE'S TAKEN THE STUFF.

SHE'S TAKEN THE THINGS STUFF.

SHE'S TAKEN THE THINGS THAT SHE'S TAKEN THE THINGS THAT SHE'S TAKEN THE THINGS THATMATTER SHE'S TAKEN THE THINGS THATMATTER THE SHE'S TAKEN THE THINGS THATMATTER THE MOST.

MATTER THE MOST.

MATTER THE MOST.

♪ MATTER THE MOST.

♪.

♪.

♪.

>>WELL, ♪.

>>WELL, I ♪.

>>WELL, I THINK ♪.

>>WELL, I THINK I ♪.

>>WELL, I THINK I LOVE ♪.

>>WELL, I THINK I LOVE THE >>WELL, I THINK I LOVE THE >>WELL, I THINK I LOVE THEBEETLES >>WELL, I THINK I LOVE THEBEETLES BECAUSE >>WELL, I THINK I LOVE THEBEETLES BECAUSE IT >>WELL, I THINK I LOVE THEBEETLES BECAUSE IT REMINDS >>WELL, I THINK I LOVE THEBEETLES BECAUSE IT REMINDS ME BEETLES BECAUSE IT REMINDS ME BEETLES BECAUSE IT REMINDS MEOF BEETLES BECAUSE IT REMINDS MEOF HER.

OF HER.

OF HER.

>> OF HER.

>> AND OF HER.

>> AND PERHAPS OF HER.

>> AND PERHAPS EVEN OF HER.

>> AND PERHAPS EVEN WHAT OF HER.

>> AND PERHAPS EVEN WHAT IT OF HER.

>> AND PERHAPS EVEN WHAT IT WAS >> AND PERHAPS EVEN WHAT IT WAS >> AND PERHAPS EVEN WHAT IT WASLIKE >> AND PERHAPS EVEN WHAT IT WASLIKE TO >> AND PERHAPS EVEN WHAT IT WASLIKE TO HOLD >> AND PERHAPS EVEN WHAT IT WASLIKE TO HOLD HER >> AND PERHAPS EVEN WHAT IT WASLIKE TO HOLD HER MOTHER'S >> AND PERHAPS EVEN WHAT IT WASLIKE TO HOLD HER MOTHER'S HAND.

LIKE TO HOLD HER MOTHER'S HAND.

LIKE TO HOLD HER MOTHER'S HAND.

WHAT LIKE TO HOLD HER MOTHER'S HAND.

WHAT HAPPENS LIKE TO HOLD HER MOTHER'S HAND.

WHAT HAPPENS NEXT LIKE TO HOLD HER MOTHER'S HAND.

WHAT HAPPENS NEXT IN LIKE TO HOLD HER MOTHER'S HAND.

WHAT HAPPENS NEXT IN THIS LIKE TO HOLD HER MOTHER'S HAND.

WHAT HAPPENS NEXT IN THIS CASE.

WHAT HAPPENS NEXT IN THIS CASE.

WHAT HAPPENS NEXT IN THIS CASE.

>> WHAT HAPPENS NEXT IN THIS CASE.

>> SHE WHAT HAPPENS NEXT IN THIS CASE.

>> SHE HAS WHAT HAPPENS NEXT IN THIS CASE.

>> SHE HAS AN WHAT HAPPENS NEXT IN THIS CASE.

>> SHE HAS AN OFFICIAL WHAT HAPPENS NEXT IN THIS CASE.

>> SHE HAS AN OFFICIAL JUDGMENT >> SHE HAS AN OFFICIAL JUDGMENT >> SHE HAS AN OFFICIAL JUDGMENTBUT >> SHE HAS AN OFFICIAL JUDGMENTBUT IT'S >> SHE HAS AN OFFICIAL JUDGMENTBUT IT'S GOING >> SHE HAS AN OFFICIAL JUDGMENTBUT IT'S GOING TO >> SHE HAS AN OFFICIAL JUDGMENTBUT IT'S GOING TO BE >> SHE HAS AN OFFICIAL JUDGMENTBUT IT'S GOING TO BE UP >> SHE HAS AN OFFICIAL JUDGMENTBUT IT'S GOING TO BE UP TO >> SHE HAS AN OFFICIAL JUDGMENTBUT IT'S GOING TO BE UP TO HER BUT IT'S GOING TO BE UP TO HER BUT IT'S GOING TO BE UP TO HERTO BUT IT'S GOING TO BE UP TO HERTO CONTINUE BUT IT'S GOING TO BE UP TO HERTO CONTINUE TO BUT IT'S GOING TO BE UP TO HERTO CONTINUE TO FOLLOW BUT IT'S GOING TO BE UP TO HERTO CONTINUE TO FOLLOW DOVE BUT IT'S GOING TO BE UP TO HERTO CONTINUE TO FOLLOW DOVE AND TO CONTINUE TO FOLLOW DOVE AND TO CONTINUE TO FOLLOW DOVE ANDTRYING TO CONTINUE TO FOLLOW DOVE ANDTRYING TO TO CONTINUE TO FOLLOW DOVE ANDTRYING TO COLLECT.

TRYING TO COLLECT.

TRYING TO COLLECT.

SEVERALFAMILIES TRYING TO COLLECT.

SEVERALFAMILIES ARE TRYING TO COLLECT.

SEVERALFAMILIES ARE BUILDING SEVERALFAMILIES ARE BUILDING SEVERALFAMILIES ARE BUILDINGTHEIR SEVERALFAMILIES ARE BUILDINGTHEIR CASE SEVERALFAMILIES ARE BUILDINGTHEIR CASE TAKING SEVERALFAMILIES ARE BUILDINGTHEIR CASE TAKING IT SEVERALFAMILIES ARE BUILDINGTHEIR CASE TAKING IT TO SEVERALFAMILIES ARE BUILDINGTHEIR CASE TAKING IT TO THEIR THEIR CASE TAKING IT TO THEIR THEIR CASE TAKING IT TO THEIRINDIVIDUAL THEIR CASE TAKING IT TO THEIRINDIVIDUAL COURT THEIR CASE TAKING IT TO THEIRINDIVIDUAL COURT JUDGES THEIR CASE TAKING IT TO THEIRINDIVIDUAL COURT JUDGES HOPING INDIVIDUAL COURT JUDGES HOPING INDIVIDUAL COURT JUDGES HOPINGTHAT INDIVIDUAL COURT JUDGES HOPINGTHAT THEY INDIVIDUAL COURT JUDGES HOPINGTHAT THEY CAN INDIVIDUAL COURT JUDGES HOPINGTHAT THEY CAN CONVINCE INDIVIDUAL COURT JUDGES HOPINGTHAT THEY CAN CONVINCE ONE INDIVIDUAL COURT JUDGES HOPINGTHAT THEY CAN CONVINCE ONE OF THAT THEY CAN CONVINCE ONE OF THAT THEY CAN CONVINCE ONE OFTHEM THAT THEY CAN CONVINCE ONE OFTHEM TO THAT THEY CAN CONVINCE ONE OFTHEM TO GIVE THAT THEY CAN CONVINCE ONE OFTHEM TO GIVE THEM THAT THEY CAN CONVINCE ONE OFTHEM TO GIVE THEM A THAT THEY CAN CONVINCE ONE OFTHEM TO GIVE THEM A CRIMINAL THEM TO GIVE THEM A CRIMINAL THEM TO GIVE THEM A CRIMINALARREST THEM TO GIVE THEM A CRIMINALARREST WARRANT.

ARREST WARRANT.

ARREST WARRANT.

>> ARREST WARRANT.

>> AS ARREST WARRANT.

>> AS SHE ARREST WARRANT.

>> AS SHE EVER ARREST WARRANT.

>> AS SHE EVER BEEN ARREST WARRANT.

>> AS SHE EVER BEEN ARRESTED >> AS SHE EVER BEEN ARRESTED >> AS SHE EVER BEEN ARRESTEDFOR >> AS SHE EVER BEEN ARRESTEDFOR ANYTHING? FOR ANYTHING? FOR ANYTHING?>> FOR ANYTHING?>> HER FOR ANYTHING?>> HER LAST FOR ANYTHING?>> HER LAST ESTATE FOR ANYTHING?>> HER LAST ESTATE SALE FOR ANYTHING?>> HER LAST ESTATE SALE WE FOR ANYTHING?>> HER LAST ESTATE SALE WE KNOW >> HER LAST ESTATE SALE WE KNOW >> HER LAST ESTATE SALE WE KNOWOF >> HER LAST ESTATE SALE WE KNOWOF WAS >> HER LAST ESTATE SALE WE KNOWOF WAS IN >> HER LAST ESTATE SALE WE KNOWOF WAS IN GWINNETT >> HER LAST ESTATE SALE WE KNOWOF WAS IN GWINNETT COUNTY, >> HER LAST ESTATE SALE WE KNOWOF WAS IN GWINNETT COUNTY, SHE OF WAS IN GWINNETT COUNTY, SHE OF WAS IN GWINNETT COUNTY, SHEALLEGEDLY OF WAS IN GWINNETT COUNTY, SHEALLEGEDLY WROTE OF WAS IN GWINNETT COUNTY, SHEALLEGEDLY WROTE 2 OF WAS IN GWINNETT COUNTY, SHEALLEGEDLY WROTE 2 BAD OF WAS IN GWINNETT COUNTY, SHEALLEGEDLY WROTE 2 BAD CHECKS OF WAS IN GWINNETT COUNTY, SHEALLEGEDLY WROTE 2 BAD CHECKS TO ALLEGEDLY WROTE 2 BAD CHECKS TO ALLEGEDLY WROTE 2 BAD CHECKS TOPAY ALLEGEDLY WROTE 2 BAD CHECKS TOPAY THE ALLEGEDLY WROTE 2 BAD CHECKS TOPAY THE FAMILY ALLEGEDLY WROTE 2 BAD CHECKS TOPAY THE FAMILY IN ALLEGEDLY WROTE 2 BAD CHECKS TOPAY THE FAMILY IN THAT ALLEGEDLY WROTE 2 BAD CHECKS TOPAY THE FAMILY IN THAT SALE.

PAY THE FAMILY IN THAT SALE.

PAY THE FAMILY IN THAT SALE.

THEY PAY THE FAMILY IN THAT SALE.

THEY BOUNCED.

THEY BOUNCED.

THEY BOUNCED.

SO THEY BOUNCED.

SO THAT THEY BOUNCED.

SO THAT IS THEY BOUNCED.

SO THAT IS A THEY BOUNCED.

SO THAT IS A CRIME.

SO THAT IS A CRIME.

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For Sale By Owner Real Estate | Tips For Sellers

Property For Lease

OLIVER: HELLO AND WELCOME BACK FOR ANOTHER EDITION OF MONEY PROS.

I WILL BE YOUR HOST.

WE TALK BALTIMORE -- OF ISSUES RELATED TO YOUR MONEY.

LET'S JUMP RIGHT IN AND TALK ABOUT WHAT WE WILL COVER ON TODAY'S SHOW.

FIRST UP, INTERESTING ARTICLE THAT I SAW RECENTLY RANKING STATES.

THE HIGHEST TO LOWEST PERCENTAGE OF MILLIONAIRES.

I THOUGHT IT WOULD BE FUN TO GO THROUGH THE TOP THREE STATES.

TAKE A LOOK AT THE STATES THAT HAVE THE LARGEST PERCENTAGE OF MILLIONAIRES IN THE STATE.

TALK ABOUT SOME OF THE REASONS FOR THAT, WHO THE WEALTHIEST PERSON IS AND WHO -- WE CAN TALK ABOUT MASSACHUSETTS AND RHODE ISLAND.

WE WILL TALK ABOUT THAT IN OUR FIRST SEGMENT.

OUR SECOND SEGMENT, REAL ESTATE PROS BACK.

FROM -- JED AND SAM.

WE WILL BE TALKING ABOUT THE CONTINUATION OF OUR LAST SHOW WITH THESE GUYS.

WHICH WAS THE TRIALS AND TRIBULATIONS IF YOU DECIDE TO GO FOR SALE BY OWNER.

SO MUCH MATERIAL IN THE LAST SHOW WE DID NOT COVER IT ALL.

WE HAVE THESE GUYS BACK TO TALK ABOUT ALL THAT.

30 SEGMENT, SHIFTING GEARS OF LITTLE BIT.

TALKING ABOUT LONG-TERM CARE INSURANCE.

THIS MAY NOT BE A TYPE OF COVERAGE YOU ARE FAMILIAR WITH.

IF YOU ARE, YOU MAY BE FOLLOWING THIS COVERAGE IS GETTING MORE AND MORE EXPENSIVE.

SOMEONE -- SOME QUESTION IF IT WILL EVEN EXIST AND A COUPLE OF YEARS.

WE HAVE GOT A LOT TO GET THROUGH IN TODAY'S SHOW.

LET'S JUMP RIGHT IN.

LET'S TALK ABOUT STATES WITH THE HIGHEST PERCENTAGE OF MILLIONAIRES.

ADJUSTING STATISTIC.

THIS WAS BASED ON AN ARTICLE AND NATIONWIDE, ONLY 5.

8% OF HOUSEHOLDS MEET THE MARK OF MILLIONAIRE.

THERE IS A PARTICULAR WAY OF FINDING WHAT A MILLIONAIRE IS, IT IS MORE EXCLUSIVE THAN YOU MIGHT IMAGINE.

THEY CALCULATE IT AS A NET WORTH IN THE HOUSEHOLD OF $1 MILLION OR MORE.

EXCLUDING REAL ESTATE OF YOUR PERSONAL RESIDENCE AS WELL AS YOUR RETIREMENT PLAN.

WHEN YOU TAKE THOSE THINGS OUT OF THE EQUATION, THAT IS GOING TO SHRINK THE LIST OF MILLIONAIRES.

THAT IS THE WAY KIPLINGER IN PARTICULAR LOOK AT IT.

THEY BROKE DOWN BY STATE CANNOT JUST LOOK AT WHAT STATES HAVE THE MOST MILLIONAIRES IN THEM, DON'T BE THE USUAL SUSPECTS.

CALIFORNIA, FLORIDA, NEW YORK.

WHAT THE HIGHEST PERCENTAGE OF MILLIONAIRES WAS RELATIVE TO THE REST OF THE STATE.

I WANT TO SHARE THIS WITH YOU.

WE WILL TALK ABOUT EACH ONE OF THEM A LITTLE BIT INDIVIDUALLY.

FIRST UP, NUMBER THREE, NEXT-DOOR NEIGHBORS IN CONNECTICUT.

7.

75% OF THE STATE OF CONNECTICUT QUALIFY AS MILLIONAIRES.

1.

3 MILLION HOUSEHOLDS IN CONNECTICUT AND 107 THOUSAND OF THEM ARE MILLIONAIRES.

THAT IS THE HIGHEST PERCENTAGE.

-- HAS A VERY HIGH PERCENTAGE OF HEDGE FUND INVESTING BUSINESSES.

AND THEN THE PEOPLE THAT RUN THEM LIVING IN THE STANFORD METRO AREA.

IS THE HIGHEST CONCENTRATION OF MILLIONAIRES IN THE ENTIRE UNITED STATES.

STANFORD METRO AREA.

THE RICHEST PERSON IN CONNECTICUT IS THE HEDGE FUND MANAGER RAY DALIA.

HE IS WORTH $17.

4 BILLION.

HE IS THE RICHEST GUY IN CONNECTICUT.

ONE OF THE RICHEST PEOPLE IN THE COUNTRY.

NUMBER TWO, ANOTHER NEIGHBOR OF NEW YORK CITY.

7.

8 6% OF THE HOUSEHOLDS IN NEW JERSEY QUALIFY FOR MILLIONAIRE STATUS.

3.

3 MILLION HOUSEHOLDS.

259,000 OF THEM QUALIFY AS MILLIONAIRES.

NEW JERSEY, A STATE NOTED FOR HIGH TAXES AND COST OF LIVING, MAYBE YOU HAVE TO BE A MILLIONAIRE TO LIVE THERE.

THE WEALTHIEST RESIDENT IN THE STATE IS ANOTHER HEDGE FUND MILLIONAIRE.

INVESTOR JOHN OVER DECK IS WORTH $5.

5 BILLION.

THAT IS NUMBER TWO.

NUMBER ONE, THIS MAY BE A SURPRISE.

MARYLAND.

7.

87% OF THE STATE QUALIFY AS MILLIONAIRES.

2.

6 MILLION HOUSEHOLDS.

CONCENTRATED PRIMARILY IN -- PRIMARILY IN THE D.

C.

METRO AREA.

ALSO ALONG THE EASTERN SHORE ON THE CHESAPEAKE.

THE WEALTHIEST PERSON IN THE STATE OF MARYLAND IS THE OWNER OF THE WASHINGTON NATIONAL -- $5.

1 BILLION.

IF YOU ARE CURIOUS WHERE OUR NEIGHBORS TO THE NORTH ARE, MASSACHUSETTS IS ACTUALLY NUMBER SIX.

JUST OUT OF THE TOP FIVE.

7.

4% MILLIONAIRES.

RHODE ISLAND, NOT AS FAR DOWN AS YOU MIGHT HAVE GUESSED.

ONLY NUMBER 16 ON THE LIST.

6.

22% OF THE STATE.

THAT IS A BREAKDOWN OF THE MILLIONAIRES.

UP NEXT, WE WILL BE TALKING OLIVER: WELCOME BACK.

JOINED NOW BY REAL ESTATE PROS.

THIS IS PART TWO OF A CONVERSATION WE STARTED SEVERAL WEEKS BACK ON THE CHALLENGES YOU MIGHT EXPERIENCE IF YOU DECIDE TO GO IN A FOR SALE BY OWNER SITUATION.

THIS OBVIOUSLY APPLIES MOSTLY TO THOSE THAT MIGHT BE CONSIDERING SELLING A PROPERTY.

IT ALSO COULD RELATE IF YOU'RE DEALING WITH ANOTHER PROPERTY IN A FOR SALE BYON.

IT CAN CREATE A NUMBER OF CHALLENGES.

BEFORE WE DO THAT, WE HAVE TO GET THE MARKET UPDATE.

I PAY ATTENTION KIND OF OUT OF THE CORNER OF MY EYE TO WHAT IS GOING ON IN REAL ESTATE.

MOSTLY LOCALLY.

SEEMS LIKE IT WAS A HECK OF A SUMMER.

IT WAS A HECK OF A SUMMER.

WE HAVE BEEN TALKING ABOUT SPRING, WAS PROBABLY THE BEST I HAVE SEEN IN A LONG TIME.

SUMMER WAS FANTASTIC.

THE MARKET ALWAYS STAYS VERY BUSY.

WE HAVE BEEN TALKING PERIODICALLY ABOUT THE MARKET.

STARTED TO SLOW DOWN.

I THINK THE FIRST ONE WAS REALLY THE AMOUNT OF INVENTORY TO FIND BUYERS AND SELLERS MARKET.

INVENTORY RELATES TO IF NO OTHER HOME TO THE MARKET, HOW MANY MONTHS WOULD IT TAKE TO SELL THE HOMES FOR SALE.

2.

7 MONTHS OF INVENTORY.

A VERY STRONG SELLERS MARKET.

AT THE TIME WE ARE FILMING THIS, 4.

4 MONTHS.

IT IS STARTING TO BALANCE A BIT.

NO CARRIERRINGRINGCONNECT 19200+++6 C13 PRICES ARE 549% OVER LAST YEAR.

NUMBER OF SALES ARE DOWN 3.

3%.

IT HAS STAYED PRETTY EVEN.

THE SELLING MARK ON THE OTHER HAND, SALES OF 23%.

WE ARE SEEING MUCH MORE OF A BALANCE THEN WE HAVE BEEN TALKING ABOUT ALL SUMMER.

WE ARE STARTING TO SEE IT NOW AS WE HEAD INTO THE FALL.

OLIVER: AN INTERESTING TO STICK -- STATISTIC.

ONE OF THE THINGS YOU JUST MENTIONED.

THE INCREASE IN PRICE TALKED ABOUT CONDOS UP 15%.

SINGLE-FAMILY'S UP FIVE POINTS.

A SIGNIFICANT PRICE APPRECIATION AND RESIDENTIAL REAL ESTATE.

YEAR OVER YEAR.

THE ASSET ITSELF IS PERFORMING VERY WELL FROM AND INVEST IN STANDPOINT.

LOOKING BACK, THE PRICE IS OVER 5.

9%.

SALES RATES ARE GOING DOWN THREE-POINTER PERCENT.

-- 3.

3%3 IT IS NOT 2008.

THE SKY IS NOT FALLING.

WE ARE SEEING A LITTLE BIT OF A BALANCE.

IT IS IMPORTANT PEOPLE ARE AWARE OF THAT.

WE HAVE SOME A PEOPLE WHO IN THE SPRIN MONEYBALL -- NEIGHBOR SOLD FOR ASK.

THEY FLUCTUATE.

YOU REALLY HAVE TO WATCH , IT IS STARTING TO DIMINISH AND PRICE GOING UP.

THERE HAS TO BE A CHECKS AND BALANCE.

OLIVER: IT ALSO MUST STRESS BY SIGNIFICANTLY IN THE RANGE IN PRICES OF HOMES.

IT IS IMPORTANT TO TALK TO AN AGENT ABOUT EXACTLY WHERE YOU STAND DEPENDING ON THE TIME OF YEAR.

WHICH, I THINK, IS PROBABLY A GOOD JUMP OFF INTO HOW WE WANT RESPECT TO FOR SALE BY OWNER.

ONE OF THE CHALLENGES THAT, IF I WERE TO SUM MY HOME I WANT TO DO IT -- LET ME ASK YOU, HOW DO YOU GET BY SOMEONE ON THAT AND WHERE CAN SOMEONE GO WRONG? SAM: IT IS FUNNY YOU MENTION SPRING MARKET.

TYPICALLY, BUYERS AND SELLERS ROSE THINKING THAT THE SPRING MARKET IS A LOT STRONGER.

TYPICALLY, THERE IS A LOT MORE BUYERS OUT THERE.

FALL TIME, WINTERTIME, THOSE BUYERS ARE OUT THERE.

THEY'RE MUCH MORE SERIOUS.

THE BIGGEST THING AS A SELLER TO KEEP MIND IS THAT IN THE SPRINGTIME, EVERYONE IS WAITING FOR FLOWERS TO BROOM.

-- GLOOM.

GRASS TO BE GREEN.

IF YOU'RE THINKING SPRING MARKET IS BETTER, MY NEIGHBORS DOWN THE STREET BY THINKING SPRING MARKET IS BETTER, THERE IS A LOT MORE INVENTORY.

WITH THE INFLUX OF INVENTORY COME A LOT MORE COMPETITION.

AS A SELLER, YOU WANT TO MITIGATE THAT AS MUCH POSSIBLE.

IF I AM LOOKING TO GET INTO A NEIGHBORHOOD AS A BUYER, IF I CAN ONLY LOOK AT YOUR HOUSE, I MIGHT END UP BUYING YOUR HOUSE OR MIGHT NOT.

I MIGHT HAVE 3, 4, 5, 6 OTHER OPTIONS TO CHOOSE FROM.

OLIVER: IS THERE A PARTICULAR PRICE OF PROPERTY WHERE YOU SAY, IT IS UP TO THE SELLER, SOMETIMES LIFE SITUATIONS DICTATE THAT, CERTAIN PROPERTIES WHERE YOU WOULD SAY THIS WOULD BE A SPRING HOUSE OR THIS WOULD BE A FALL.

OR LET'S PUT THIS ON IN THE WINTER.

DO THINK ABOUT THOSE THINGS? ONE THING WE THINK ABOUT A LOT IS WATERFRONT HOMES.

THOSE HIGHER LUXURY HOMES THAT MAY BE NEED A LITTLE BIT OF WORK OR SOMETHING A BUYER WANTS TO COME IN AND MAKE THEIR OWN, IF THE SELLER IS ABLE TO SELL IN THE WINTER, BIO -- BUYER IS ABLE TO BUY IN THE WINTER, THEY HAVE THAT FOUR TO SIX MONTH.

TO DO THE RENOVATION.

THEY ARE IN THERE TO ENJOY THE WARMER MONTHS.

THE WATERFRONT HOMES, ESPECIALLY.

BEING ABLE TO SELL THEM IN THE WINTER IS MUCH MORE APPEALING FOR A BUYER.

A LOT OF THE BUYERS THAT ARE LOOKING IN THE COLDER MONTHS, THEY ARE MUCH MORE SERIOUS.

CHAD: -- OLIVER: ANOTHER THING I'M CURIOUS ABOUT IS MY EXPERIENCE IN LOOKING AT HOUSES HAS BEEN IT HAS GONE FROM THE PAPER AND FROM CIRCULAR.

I CAN'T EVEN READ ANYMORE.

I CLEARLY NEED GLASSES.

MY WIFE WOULD BE THE FIRST ONE TO TELL ME THAT.

I DON'T EVEN THINK ABOUT PRINT PUBLICATIONS ANYMORE.

IT IS ABOUT GOING ONLINE.

HOW IMPORTANT HAS THE ABILITY TO PUT YOUR HOUSE ONLINE IN A GOOD LIGHT BECOME IN SELLING A PROPERTY? CHAD: THE DAYS OF NEWSPAPER MARKETING ARE OVER.

YOU ARE NOT GOING TO GET OFF A NEWSPAPER AND GO FIND A HOUSE.

SELLERS LOVE TO SEE THEIR HOME AND THOSE THINGS, BUT BUYERS ARE NOT LOOKING AT THOSE.

I AM LOOKING AT HOME AND A NEIGHBORHOOD COME I AM DRIVING THROUGH, I MIGHT JUST HAVE TO GO ON MY PHONE AND CHECK IT.

IF YOUR ONLINE, THAT IS WHAT DRIVES THE BUYERS THE CIRCLE HOMES.

PROFESSIONAL PHOTOGRAPHY.

STRONG WEB PLACEMENT.

IS YOUR AVERAGE BUYER DRIVING DOWN THE STREET GOING TO THE MAJOR SEARCH ENGINE? I WON'T USE THOSE NAMES BECAUSE WHEN WE READ THOSE COMPANIES LARGE CHECKS TO MAKE SURE OUR LISTING IS OVER THE TOP.

FROM AN ONLINE PERSPECTIVE IT IS A BIG DIFFERENTIAL BECAUSE ON THOSE BIG SITES, WHO IS GOING TO SEE IT? A FOR SALE SIGN ON THE END OF YOUR CUL-DE-SAC, WHOSE DRIVING BY THAT SIGN? TO ECHO WHAT YOU JUST SAID, I THINK ABOUT -- AND I AM CONTINUALLY LOOKING FOR REAL ESTATE, MY WIFE AND I THINK ABOUT DOWNSIZING.

WE WANT TO BE AWARE OF WHAT IS FOR SALE.

WE GO TO OUR I LIVING.

I SEE THE WEBSITE.

I GO TO OUR I LIVING.

I PUT IN MY PLACE RANGE AND I SCROLL THROUGH.

IF THAT HOUSE IS NOT LISTED IT IS NOT GOING TO SHOW UP.

I'M NOT EVEN GOING TO KNOW.

IF I DROVE BY AND SAW THE SIGN IN THE FRONT YARD I WOULD NOT BE AWARE OF IT.

CHAD: AS A CONSUMER SIDE OF MLS.

A GREAT SITE TO USE.

EVERYTHING IS REAL-TIME INFORMATION.

OLIVER: SO, AND, I THINK ABOUT HOW IMPORTANT THIS PICTURES, THE DETAILED DESCRIPTION, THE MERE FACT THAT IT APPEARS THERE, IF IT DID NOT APPEAR THERE, IT DOES NOT SHOW UP ON MY RADAR.

ONCE YOU GET, THIS IS WHERE THINGS GET SCARY FOR ME.

ONCE YOU GET A BUYER, YOU ARE THE SELLER, AND ONCE YOU GET A BUYER, HOW IMPORTANT IS THE ROLE OF NEGOTIATING THE SALE OF THE REAL ESTATE? BECAUSE, YOU KNOW, IF YOU HAVE A GREAT PROPERTY, YOU COULD GET LUCKY, RIGHT, YOU COULD FIND A BUYER, THAT, SORT OF, THAT IS THE END OF THE BEGINNING.

HOW IMPORTANT IS HAVING EXPERIENCE IN REAL ESTATE NEGOTIATION TO GET THE DEAL CLOSED FAIRLY LEGALLY, IN EVERY RESPECT? IT IS HUGE.

IT IS THE BIGGEST PART.

MAKE SURE YOU'RE ABLE TO MAXIMIZE ON YOUR INVESTMENT.

A LOT OF SELLERS MAY HAVE SOLD 1, 2, 3, FOUR HOMES IN THEIR LIFETIME, MAYBE WITH A REALTOR, MAYBE WITHOUT, THE BIGGEST THING TO KEEP IN MIND IS THAT YOU MIGHT BE GIVING AWAY VALUABLE INFORMATION WITHOUT REALIZING.

THE BIGGEST QUESTION THAT I ASK WHEN I'M LOOKING AT A FOR SALE BY OWNER, I TRIED TO BE A LITTLE BIT DISCREET.

I MAKE SURE THAT I AM ASKING , HYPOTHETICALLY, MY BUYER WANTS TO PUT AN OFFER IN.

?WITH THAT BE STRONG THEY SAY I THINK WE'RE GIVEN A GOOD CONSIDERATION.

THAT SOUNDS PRETTY GOOD.

I JUST CUT YOUR PRICE DOWN 45000 AND ONE QUESTION.

MY TOP OFFER IS GOING TO BE 375, I'M NOT GOING ANYWHERE CLOSE TO 400.

LOTS OF VALUABLE INFORMATION.

A LOT OF INFORMATION COULD BE GIVEN FREELY WITHOUT REALIZING.

THE OTHER THING THAT WORRIES ME, WE TALKED ABOUT THE GETTING THINGS DONE LEGALLY OF, ONE OF THE EXPERIENCES -- ONE OF THE THINGS, NOT EXPERIENCES, THE THINGS I NOTICED WITH MY AGENT WHEN WE LOOK AT PROPERTIES IS ONE OF THE FIRST THINGS SHE TAKES A LOOK AT IS THE DISCLOSURES.

I DON'T EVEN THINK ABOUT IT.

SHE WILL BE FLIPPING THROUGH THEM.

SHE HAS TOLD ME SOME HORROR STORIES ABOUT PROBLEMS WITH DISCLOSURES.

HOW IMPORTANT ARE THE DISCLOSURES FOR THE BUYER AND SELLER? HOW CAN YOU GET IN TROUBLE IF YOU DON'T KNOW WHAT YOU'RE DOING WITH THE LIST? THERE IS A COUPLE OF DIFFERENT DISCLOSURES.

78 IS THE DAY.

EVEN NORTH OF THE, NEW CONSTRUCTION, EVERYTHING REQUIRES DISCLOSURES.

EVERYTHING DOES.

EVEN IF YOU HAVE NOT -- NO KNOWLEDGE YOU JUST CHECK NO KNOWLEDGE.

IF YOU PUT SOMETHING AS A SELLER ON YOUR DISCLOSURE FORM, IF YOU KNOW SOMETHING IS WRONG, YOU NEED TO TELL THE BUYER.

THE VEHICLE TO DELIVER THAT INFORMATION.

OLIVER: YOU ARE OBLIGATED, YOU HAVE A LEGAL OBLIGATION.

YOU CAN'T ESCAPE YOUR MOUTH SHUT ABOUT IT.

YOU HAVE TO REVEAL THOSE THINGS.

CHAD: AS A SELLER YOU KNOW WHERE TO FIND THOSE DOCUMENTS.

YOU KNOW THEY ARE REQUIRED.

SOME PEOPLE DO.

MOST DON'T KNOW WHAT I'M TALKING ABOUT.

OLIVER: HOW IMPORTANT TO DO YOU FIND IS KNOWING THE AGENT THAT YOU ARE DEALING WITH? WHEN YOU ARE LOOKING AT A HOUSE OR NEGOTIATING A DEAL.

CHAD: DRIVING ON THE WAY HERE TO SEE YOU ONE OF THE AGENTS I DO TONS OF DEALS WITH CALLED AND ASKED ABOUT A HOUSE -- HOUSE THAT WE HAD TAKEN OFF THE MARKET.

JUST WANTED TO HAVE AN HONEST CONVERSATION.

HE IS A GOOD AGENT.

IF HE IS GOING TO HAVE A GOOD AGENT THAN HE IS A GUY OUT OF THE TIME AND HAVE A CONVERSATION WITH.

HE WILL PRODUCE A READY, WILLING, AND ABLE BUYER.

OLIVER: WE HAVE FAILED TO COVER EVERYTHING WE WANT TO COVER.

WE DEFINITELY REVEALED A LOT MORE ISSUES THAT CAN COME UP WITH FOR SALE BY OWNER.

I DON'T THINK ANYBODY SAYS DEFINITELY DON'T DO IT.

WE HAVE TO CONSIDER A LOT OF THINGS THAT MAYBE PEOPLE ARE NOT AWARE OF.

GLAD YOU ARE HERE TO TALK WITH US ABOUT THAT.

UP NEXT, SHIFTING GEARS TO TALK ABOUT LONG-TERM -- STAY WITH US.

OLIVER: THE FUTURE OF LONG-TERM CARE INSURANCE MARKET, IF YOU'RE IN RETIREMENT THIS IS THE TYPE OF COVERAGE YOU HAVE CONSIDERED WHETHER OR NOT YOU HAVE ACTUALLY TAKEN IT OUT OR NOT.

ONE TERM CARE INSURANCE MARKET ENTROPY RELATIONS.

OF TRIALS I WANT TO TALK ABOUT SOME OF THAT.

THIS SUMMER, POLITEST WRITER OF LTC POLICIES IN THE COUNTRY, RECEIVED AN APPROVAL FROM REGULAT DIFFERENT STATES TO RAISE PREMIUMS.

IT IS IMPAS IT IS A TERM THAT -- IT IS NOT LIKE TERM LIFE INSURANCE WITH -- ARE GUARANTEED.

LONGTIME INTEREST RATES CAN GO UP IF THE REGULATORS IN YOUR STATE APPROVE THE INCREASE.

KIND OF LIKE UTILITY BILLS LIKE GAS OR ELECTRIC.

JEN WERTH HAS RAISED PREMIUMS IN EACH OF THE LAST TWO YEA THEY CLAIM TO HAVE LOST NEARLY $3 BILLION ON THEIR OLDER LONG-TERM CARE INSURANCE POLICIES FOR WHICH THEY ARE RAISING THESE PREMIUMS.

THEY SAY WE HAVE TO RAISE THESE PREMIUMS ON OUR INSURANCE.

JOHN HANCOCK, ANOTHER LONG TERM INSURANCE CARE STOP WRITING POLICIES ENTIRELY LAST YE& PRUDENTIAL, ANOTHER GIANT COMPANY LEFT THE MARKET ALTOGETHER IN 2012.

THE NUMBER OF CARRIERS THAT ARE WRITING THIS COVERAGE IS SHANKING RAPIDLY.

AND THE COST OF THIS COVERAGE IS GOING UP QUICKLY.

WHAT IS GOING ON WITH LONG-TERM CARE INSURANCE? LET'S TAKE A LOOK QUICKLY AT EACH OF THESE ISSUES.

THE FIRST THING IS LOW INTEREST RATE ENVIRONMENT.

INSURANCE COMPANIES MAKE THEIR MONEY ON FLOW, NOT ON BANKS OR DO YOU PAY.

-- PREMIUMS A GOES INTO THEIR GENERAL FUND.

WHAT THEY WILL PROFIT ON IS THE DIFFERENCE BETWEEN WHAT THEY PUT IN AND WHAT THEY PAY OUT.

AND THEY TACK ON THE INTEREST.

IN A LOW INTEREST RATE ENVIRONMENT, THEY ARE NOT MAKING AS MUCH MONEY.

NUMBER TWO, POLICYHOLDERS ARE LIVING LONGER.

THIS IS A BIG CHALLENGE FROM LONGER INSURANCE COMPANY COVERAGE.

PEOPLE ARE LIVING LONGER, THEY ARE MORE LIKELY TO DEMAND LONG-TERM CARE SERVICES.

OR REQUIRE LONG-TERM CARE SERVICES.

WHEN THEY DO REQUIRE THE SERVICES, THEY REQUIRE THEM FOR A LONGER TIME.

FINALLY, POOR ACTUARIAL DATA.

LET'S TALK ABOUT THIS ONE.

LONG-TE CARE INSURANCE MARKET IS RELATIVELY IMMATURE MARKET WHEN COMPARED TO AUTO, HOMEOWNERS INSURANCE, OR CERTAINLY, LIFE INSURANCE.

IT LACKS THE ACTUARIAL DATA THAT INSURANCE COMPANIES DEPEND ON TO ACCURATELY PRICE THESE POLICIES.

PRODUCTS WERE FIRST DEVELOPED, I'M GOING TO SAY THAT WAS ESSENTIALLY IN THE 1970'S WHEN THE MODERN LONG-TERM CARE INSURANCE CAME OUT.

SOMEBODY MAY WANT TO CORRECT ME ON THAT.

INSURANCE COMPANIES DID NOT HAVE GREAT INFORMATION ON HOW MANY PEOPLE ARE GOING TO REQUIRE COVERAGE.

HOW EXPENSIVE WAS THAT COVERED GOING TO BE.

HOW LONG WERE THEY GOING TO BE A NURSING HOME.

ALL OF THOSE THINGS.

THEY BASICALLY HAD TO MAKE GUESSES.

INSURANCE COMPANIES TO MAKE GUESSES.

THEY LIKE TO KNOW EXACTLY WHAT THE DATA WILL TELL THEM.

ON THE INSURANCE THEY HAVE VERY GOOD INFORMATION ABOUT MORTALITY RATES.

LONG-TERM CARE INSURANCE, THE DON'T HAVE NEARLY AS GOOD INFORMATION.

WHAT DOES THIS MEAN FOR RETIREES WHO ARE FACING LONG-TERM CARE NO CARRIERRINGRINGCONNECT 19200+++6 C13 EXTENDED STAY IN A NURSING HOME? YOU HAVE A FEW CHOICES.

IF YOU HAVE LONG-TERM CARE INSURANCE YOU CAN ACCEPT GREAT CHANGE IT -- THE -- RATE CHANCES.

YOU CAN LOOK AT ADJUSTING COVERAGES, DROPPING COVERAGES, THIS IS SOMETHING I SEE MY CLIENTS FACING PRICKLY.

THEY PURCHASE LONG-TERM CARE INSURANCE SEVERAL YEARS AGO, NOW THEY'RE HAVING TO GO BACK AND VISIT IT.

DROP BENEFITS.

MODIFY COVERAGE.

YOU CAN SKIP BUYING LONG-TERM CARE INSURANCE ALTOGETHER.

I AM NOT RECOMMENDING IT NEARLY AS OFTEN AS I USED TO.

VERILY -- VERY LIMITED SCENARIOS WHERE I'M RECOMMENDING TRADITIONAL LONG-TERM CARE.

A FINAL RECOMMENDATION, THIS MAY BE THE THING THAT HAPPENS GOING FORWARD, HYBRID LIFE INSURANCE LONG-TERM CARE POLICIES.

THE JURY IS STILL OUT ON THOSE.

A LOT OF TURMOIL IN THE INDUSTRY.

OLIVER: LOOK UP MONEY PROS AND POST A QUESTION THERE.

LOOKUP --.

COM.

CLICK ON AND ASK A QUESTION THERE.

YOU CAN SEND ME AN EMAIL.

MONEY PROS AT FOX PROVIDENCE.

COM.

WE ANSWER ALL OF OUR QUESTIONS EVEN IF WE DON'T ANSWER THEM ON THE AIR.

THE REALLY GOOD ONES WE LIKE TO ANSWER ON THE AIR.

SEND US A QUESTION, WE WOULD LOVE TO BE ABLE TO HOOK YOU UP.

THAT IS IT FOR TODAY'S SHOW.

THANKS FOR WATCHING.

HAVE A GREAT WEEKEND.

Sell My Home For Cash

Sell My Home in Chesapeake | Slatewood Properties