Some folks out there are clever, but for all the wrong reasons. It is rumored that real estate and mortgage licensees have become the target of a scam. An individual, claiming to be a representative of the Division of Real Estate, is calling licensees and telling them that they have failed to respond to a notice sent out by the Division informing them that they are required to submit updated fingerprints. The individual warns that, due to this failure to respond, the licensee's license is going to be suspended. The individual then claims that this is a courtesy call from the Division, that the licensee may pay a small fee to avoid having his or her license suspended, and that the fee can be paid over the phone by credit card. It was reported to me that the Division will never contact any licensee and ask for a credit card number over the phone. The only licensees who are being required to submit updated fingerprints at this time are mortgage originators who are establishing their records in the nationwide mortgage licensing system (NMLS). All required payments for this fingerprinting are handled through the NMLS website, NOT over the telephone, and anything different should probably be reported to the Division of Real Estate.

Kevin J. Lawson

Jim Pillsbury of Allstate Financial Services, LLC., has a main office  in Battle Ground at 317 E Main Street, Battle Ground, WA. His best contact number is his office at 687-3122. His cell phone is  606-8571. Jim has been doing insurance policies with my clients for the past eight years. I also have my personal policies with him. It has been wonderful working with him over the years, and I know a lot of people like the advantage they have through Allstate versus some of the other companies. He is definitely one to always look at, especially if your credit scores are in the  higher ranges. They seem to be one of the best-priced.

Kerry N. Greenwald


Sr. VA  Loan Specialist

Creekside Mortgage Inc.

360.571.LOAN (5626)/503.445.1038

We tend to get in a rut at work and pound thru the days, just grinding them out and its Friday and we have great aspirations to go hiking, biking, boating and so forth.  Well if that truly does NOT happen, then your running errands, going to birthday parties for your childrens school friends or family functions.  In most our daily lives, we are getting a good mental work out in some form or fashion.  However if you have a family, and are taxed with all the normal routines that come with it, or are just so busy with work that you have little time for anything else, the physical work out time goes to the back of the bus.

Its extremely important as you know to incorportate some type of physical work out regimine into our lives.  I can always count on my Dr. telling me the exact same thing when I visit.  Pay close attention to your diet, more vegies, less sweets and soda's and exercise more.  Its a given.  So with that being said, we can all benefit from a little hike, or bike ride, weights, cardio etc..  Just dont resign yourself to giving up.  Just set a small realistic goal, and begin.  Thats the most difficult part.  Just begin, then go from there.

Kevin J. Lawson

The U.S. Department of Veterans Affairs failed to inform 6 million soldiers and their families of an agreement enabling Prudential Financial Inc. to withhold lump-sum payments of life insurance benefits for survivors of fallen service members, according to records made public through a Freedom of Information request.

The amendment to Prudential’s contract is the first document to show how VA officials sanctioned a payment practice that has spurred investigations by lawmakers and regulators. Since 1999, Prudential has used so-called retained-asset accounts, which allow the company to withhold lump sum payments due to survivors and earn investment income on the money for itself.

The Sept. 1, 2009, amendment to Prudential’s contract with the VA ratified another unpublicized deal that had been struck between the insurer and the government 10 years earlier -- one that was never put into writing, Bloomberg Markets magazine reports in its November issue. This verbal agreement in 1999 provoked concern among top insurance officials of the agency, the documents released in the FOIA request show.

For a decade, until the contract was formally changed, Prudential wasn’t fulfilling its obligations to survivors of fallen service members, says Brendan Bridgeland, an insurance lawyer who runs the non-profit Center for Insurance Research in Cambridge, Massachusetts.

‘Violated Terms’

“It’s very clear they violated the original terms of the contract,” says Bridgeland, who is retained by the National Association of Insurance Commissioners to represent consumers.

“Every veteran I’ve spoken with is appalled at the brazen war profiteering by Prudential,” says Paul Sullivan, who served in the 1991 Gulf War as an Army cavalry scout and is now executive director of Veterans for Common Sense, a nonprofit advocacy group based in Washington. “Now vets are upset at the VA’s inability to stop Prudential’s bad behavior.”

That the VA allowed Prudential to issue retained-asset accounts for 10 years while the contract required lump-sum payouts is “more evidence that the VA was asleep at the wheel for a decade,” says Sullivan, who was a project manager and analyst at the VA from 2000 to 2006.

“When grieving families check the box that they want a lump sum, they should get it. We remain disappointed and irate at the VA’s failure to provide advocacy for veterans,” he says.

Kevin J. Lawson & Bloomberg Reports

While the economists will tell you were STILL in a recession, and that the future is bleak, there is still a market to be had out there.  You can either sit around and buy the garbage that spills from the Lame Stream Media, or get on with your life and be positive and thankful for what you do have !!  Attitude will determine your altitude folks. Its nothing new, and you've probably heard it before. 

In the mortgage world it seems were in a purchase or refi boom.  Well I'm here to tell you that we have No Boom going on, however we have a Blast of both !!!  Its a GREAT Time to purchase.  You can not argue that.  Its a GREAT Time to refi due to rates.  You cannot argue that.  You have to position yourself to take advantage of both sides of the coin.  If your selling in another capacity, then you have to find that happy medium where you are able to leverage your strengths and your market!!   You have to be able to give a little more to recive  a little more.  It wont just come walking in your door.  Your going to have to go kick some doors down in order to find the ones that are going to deliver.   Leveraging yourself and your talents is a great way to begin the fall, the changing season that is upon us.  Invest some time into yourself.  Find out the best way to do that, and make it sooner that later !!!!

Kevin J. Lawson