This is unbelievable. I had to hit the rewind thing on my TV to do a double take. Check this out.

I saw a commercial last night where folks can use their cell phone to take a photo of a check and deposit it into their bank account.

Next, using your cell phone again, you can take a photo of a check you just wrote or printed to pay a bill and click something on your phone and pay the bill… wow!  Let me repeat, use your cell phone, take a photo of your check, and your cell phone allows you to pay your bill with a photo of your check.

I do not understand the details; however, this is a huge wake up call about where and how technology will be become a very big part of making your business more automated and efficient.

I am very much behind the times, especially when it comes to "online banking." Having been told for years you can use online banking to pay bills, write checks, etc. and your bank will do it for free including printing the check, envelope and postage. This seemed too good to be true until I began receiving payments in the mail from folks using this very same method.

Postage ain’t cheap. This got my attention, and we are gradually working toward utilizing these free resources for our business.

If it seems a little far fetched at the moment, as far as the cell phone camera taking pictures of checks…. just think back a bit, 8 track tapes, fax machines, email, internet, cell phones, blue tooth,.. you get the point… keep your eyes and ears open and always have a sponge-like attitude toward education. Absorb it all. 

 July 8, 2010 – A coalition of housing industry groups joined the National Association of Home Builders (NAHB) today in announcing plans to file a lawsuit against the federal Environmental Protection Agency (EPA) for removing the "opt-out" provision from its Lead: Renovation, Repair and Painting rule.

The Lead: Renovation, Repair and Painting rule (LRRP) applies to homes constructed before 1978 when lead paint was banned. Its opt-out provision, which expired July 6, let consumers allow contractors to bypass extra preparation, clean-up and recordkeeping requirements in homes where there were no children under 6 or pregnant women, thus avoiding additional costs.

"Removing the opt-out provision more than doubles the number of homes subject to the regulation," said NAHB Chairman Bob Jones, a home builder and developer in Bloomfield Hills, Mich. "About 79 million homes are affected, even though EPA estimates that only 38 million homes contain lead-based paint. Removing the opt-out provision extends the rule to consumers who need no protection."

The Hearth, Patio & Barbecue Association, the National Lumber and Building Material Dealers Association and the Window and Door Manufacturers Association joined NAHB in filing the petition for review in the U.S. Court of Appeals for the D.C. Circuit.

The group will challenge EPA’s action on the grounds that the agency substantially amended its LRRP regulation without any new scientific data and before the regulation was even put into place on April 22, 2010.

"Even under the original rule, the opt-out provision was not available in homes where small children or pregnant women live," Jones said. "That shows that this change provides no additional protection to the people who are most vulnerable to lead-based paint hazards."

Remodelers’ and other contractors’ estimates of the additional costs associated with the lead-safe work practices average about $2,400, but vary according to the size and type of job. For example, a complete window replacement requires the contractor to install thick vinyl sheeting to surround the work area both inside the home and outdoors – with prep time and material costs adding an estimated $60 to $170 for each window.

"Consumers trying to use rebates and incentive programs to make their homes more energy efficient will likely find those savings eaten up by the costs of the rule’s requirements. Worse, these costs may drive many consumers – even those with small children – to seek uncertified remodelers and other contractors. Others will likely choose to do the work themselves – or not do it at all – to save money. That does nothing to protect the population this rule was designed to safeguard," Jones said    

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Great Short Video to share with your tenants when the air-conditioning goes ka-bloohey.

How To Survive Without Air-Conditioning on Howcast




Dear Mike, I attended last night and already received your followup 24hr.access email. The question I have is did Harry say if I use private lenders money to purchase say a REO,rehab it and use a properly licensed MLO to flip to an end buyer I am still in violation of safe act?  Richard Baffuta 



Dear Mike, I attended last night and already received your followup 24hr.access email. 

The question I have is did Harry say 

“if I use private lenders money to purchase say a REO”,
This is in violation of the new laws

odds are, you can find attorney and title companies to do the closing; however, it is still a crime.


I agree this is absolutely outrageous, but our objective is to protect your butt, the title companies and the attorneys.

This is so dang serious, attorneys and title companies could lose their license to practice!

rehab it and use a properly licensed MLO to flip to an end buyer I am still in violation of safe act?




Good Luck Richard!

Mike Butler



 Good Information received from Walt Sisk! 

I never knew there were so many uses for it. After reading this.

Can You Add to this List?  Just enter your comment below

  WD-40 uses:
  1.   Protects silver from tarnishing.  
   2.   Removes road tar and grime from cars (and siding)
   3.   Cleans and lubricates guitar strings.  
   4.   Gives floors that ‘just-waxed’ sheen without making them slippery.  
   5..   Keeps flies off cows.  
   6.   Restores and cleans chalkboards.  
   7.   Removes lipstick stains.  
   8..   Loosens stubborn zippers.  
   9.   Untangles jewelry chains.  
   10.   Removes stains from stainless steel sinks.  
   11.   Removes dirt and grime from the barbecue grill.  
   12.   Keeps ceramic/terra cotta garden pots from oxidizing.  
   13.   Removes tomato stains from clothing.  
   14.   Keeps glass shower doors free of water spots.  
   15.   Camouflages scratches in ceramic and marble floors.  
   16.   Keeps scissors working smoothly. 
   17.   Lubricates noisy door hinges on vehicles and doors in homes.  
   18.   It removes black scuff marks from the kitchen floor!  Use WD-40 for  those nasty tar and scuff marks on flooring.  It doesn’t seem to  harm the finish and you won’t have to scrub nearly as hard to get them off.  Just remember to open some windows if you have a lot of marks.  
   19.   Bug guts will eat away the finish on your car if not removed quickly!   Use WD-40!  
   20.   Gives a children’s playground gym slide a shine for a super fast slide.  
   21.   Lubricates gear shift and mower deck lever for ease of handling on riding mowers…  
   22..   Rids kids rocking chairs and swings of squeaky noises.  
   23.   Lubricates tracks in sticking home windows and makes them easier to open..  
   24.   Spraying an umbrella stem makes it easier to open and close.  
   25.   Restores and cleans padded leather dashboards in vehicles, as well as vinyl bumpers.  
   26.   Restores and cleans roof racks on vehicles.  
   27.   Lubricates and stops squeaks in electric fans  
   28.   Lubricates wheel sprockets on tricycles, wagons, and bicycles for easy handling.  
   29.   Lubricates fan belts on washers and dryers and keeps them running smoothly.  
   30.   Keeps rust from forming on saws and saw blades, and other tools.  
   31.   Removes splattered grease on stove.  
   32.   Keeps bathroom mirror from fogging.  
   33.   Lubricates prosthetic limbs.  
   34.   Keeps pigeons off the balcony (they hate the smell).  
   35.   Removes all traces of duct tape.  
   36.   Folks even spray it on their arms, hands, and knees to relieve arthritis pain. 
   37.    Florida’s favorite use is: ‘cleans and removes love bugs from grills and bumpers.’ 
   38.   The favorite use in the state of New York , WD-40 protects the Statue of  Liberty from the elements.  
   39.   WD-40 attracts fish.  Spray a little on live bait or lures and you will be catching the big one in no time.  Also, it’s a lot cheaper than the chemical attractants that are made for just that purpose.  Keep in mind though, using some chemical laced baits or lures for fishing are not allowed in some states.  
   40.   Use it for fire ant bites.  It takes the sting away immediately and stops the itch.  
   41.   WD-40 is great for removing crayon from walls.  Spray on the mark and wipe with a clean rag.  
   42.   Also, if you’ve discovered that your teenage daughter has washed and dried a tube of lipstick with a load of laundry, saturate the lipstick spots with WD-40 and rewash.  Presto!  The lipstick is gone!  
   43.   If you sprayed WD-40 on the distributor cap, it would displace the moisture and allow the car to start.  
What is the main ingredient of WD-40 ?
  Before  you read to the end, does anybody know what the main ingredient of WD-40  is?  Don’t lie and don’t cheat.  WD-40.  Who knew; I had a neighbor who bought a new pickup.  I got up very early one Sunday morning and saw that someone had spray painted red all around the sides of this beige truck (for some unknown reason).  I went over, woke him up, and told him the bad news.  He was very upset and was trying to figure out what to do…. probably nothing until Monday morning, since nothing was open.  Another neighbor came out and told him to get his WD-40 and clean it off.  It removed the unwanted paint beautifully and did not harm his paint job that was on the truck.   I’m impressed!  WD-40 who knew?  
‘Water Displacement #40’. 
The product began from a search for a rust preventative solvent and degreaser to protect missile parts.  WD-40 was created in 1953 by three technicians at the San Diego Rocket Chemical Company.  Its name comes from the project that was to find a ‘water displacement’ compound..  They were successful with the fortieth formulation, thus WD-40.  The Convair bought it in bulk to protect their atlas missile parts.  Ken East (one of the original founders) says there is nothing in WD-40 that would hurt you…  When you read the ‘shower door’ part, try it.  It’s the first thing that has ever cleaned that spotty shower door.  If yours is plastic, it works just as well as glass.   It’s a miracle!  Then try it on your stove top …  Viola!   It’s now shinier than it’s ever been.  You’ll be amazed.   
P.S.  The basic ingredient is FISH OIL. 


Hi Mike, When you put a rental property in a trust.

Can you set up a bank account to receive payments and pay expenses or do I have to get an LLC to do this?

I don’t want the bank to ask for the paperwork and see the beneficiaries. 




Land Trust is a privacy instrument and is the owner of record.

Your beneficial interest, in our language, is the owner and reports the activity on tax returns.

if you use a LLC, you must have a bank account.



 U.S. Congress and Governors


Have You Emailed Your Governor and Congress?

Can You share your letter / fax (copy and paste for us)

 The New Outrageous Lead Paint Law Has Been CANCELLED… for a while

The NEW Effective Date Is…




 The New EPA Rule for Lead Based Paint

by John Adams, for the Atlanta Journal-Constitution
The new EPA “RRP rule” affects contractors, property managers and others who disturb known or presumed lead-based paint during renovation. The term renovation covers all activities done for compensation that disturb painted surfaces including most repair, remodeling and maintenance activities, such as window replacement, weatherization and demolition. The RRP rule applies to all renovation work performed in residential houses, apartments and child-occupied facilities such as schools and day-care centers built before 1978. Those affected by the RRP rule should read the complete rule, which is available on EPA’s Web site at:
Training, certification, and work practice requirements in the Renovation, Repair and Painting Rule are effective to any job in progress on April 22, 2010. Pre-renovation education requirements are effective now.
Requirements for Renovation Contractors Include:
Certification and Training Requirements
* Firms must have one or more “Certified Renovators” assigned to jobs where lead-based paint is disturbed. To become certified, a renovator must successfully complete an EPA-approved one-day training course conducted by an EPA-accredited training provider.
* All renovation workers must be trained. Renovation workers can be trained on-the-job by a Certified Renovator to use lead safe work practices, or they can become Certified Renovators themselves. Many firms will choose to hire only Certified Renovators to satisfy this requirement.
* What About Landlords Working in Their Own Property or Property Managers?
Landlords receive rental payments and maintenance personnel in rental property or child-occupied facilities receive wages or salaries derived from rent payments. This is considered compensation under the RRP rule. Therefore, renovation and repair activities performed by landlords or employees of landlords are covered by the rule. Work performed by landlords or their employees in pre-1978 housing and child-occupied facilities must be performed using lead safe work practices, if lead-based paint or presumed lead-based paint is disturbed.
Any landlord who becomes a Certified Renovator is automatically qualified to perform lead-safe repairs, renovations and turn-key jobs on his own property, and can hire non-certified workers to performs tasks under his supervision. Also, as an EPA Certified Renovator, the landlord may be able to avoid or divert liability by showing “good faith” efforts at providing lead-safe housing. In other words, it’s cheap insurance.
* I heard that this rule only applied to Investment Property. Am I missing something?
The EPA Renovate Repair Paint rule taking effect on April 22, 2010 applies to ALL pre-1978 housing in the United States, including private residences, manufactured housing and multi-family dwellings, regardless of ownership. In the original version of the law, there was an exemption for owner-occupant housing, but that exemption has been removed by EPA.
* What about Realtors, Brokers or Salespersons?
Generally, a real estate licensee need not become a Certified Renovator unless he or she want to perform covered renovations on target property. However, obtaining certification can help the licensee in several ways:
1.) Realtors who carry EPA Certified Renovator status will clearly understand when lead-safe work practices are required and when they are exempt. This will allow them to safely discuss proposed renovations or paint jobs prior to listing or making an offer on any home. About half the homes in America are considered target housing. In other words, it’s cheap insurance.
2.) A Realtor who discusses or recommends any repairs or renovations and is not an EPA Certified Renovator may have some liability for any consequences of following that professional advice. Being able to discuss the topic safely will allow the agent to do a better job for his client.
3.) A Realtor who adds the title EPA CERTIFIED RENOVATOR to their list of professional designations will be seen as committed to the safety of both clients and workers, and will be seen as more professional than an agent who is not certified.
4.) A Realtor who simply cashes a check for a contractor from a client could be interpreted to have acted as and an agent in a fiduciary capacity for an illegal transaction, and might bear liability under the EPA Toxic Substances Control Act. 
5.) Particularly on pre-1978 housing, a Realtor who can knowledgeably and safely discuss steps commonly needed to make a house more attractive and saleable will get the listing every time over a competitor who is not an EPA Certified Renovator.
6.) Completing this class as offered by John Adams qualifies you for 7 hours of continuing education credit under the rules of the Georgia Real Estate Commission. No other course in Georgia offers that credit!!
* What about HVAC techs, electricians, plumbers and painters?
If they plan to conduct any work, repairs or renovations in pre-1978 housing, they MUST become EPA Certified Renovators in order to perform any work on target housing. After April 22, 2010, it is a violation of federal law to even OFFER to perform covered work on target housing.
Jobs requiring state licensure, such as contracting, plumbing, electrical or HVAC work will now have to be performed by a Certified Renovator if it is covered by the rule, which is 6 square feet for interior jobs and 20 square feet for exterior jobs on pre-1978 housing. Holding a state license does not exempt anyone from this rule.
* What about hiring a “handy man” to just clean up and paint?
Even a handy-man who only offers to paint a room in target housing is covered by the rule. That’s because typical prep work on a pre-1978 involves scraping, sanding and removal of screws on switch plates and outlet covers. These activities usually cause the job to fall inside the EPA rule on target housing.
* What’s the story on window replacement?
Any window replacement on pre-1978 housing is considered a covered repair. That’s because the friction between the window frame and the track typically generates large concentrations of fine dust, and any attempt to remove those structural elements can create a lead hazard.
* The Bottom Line
The point in all this is that this federal law is coming into effect on Thursday April 22nd, and the easy way to be in compliance is to take the one-day EPA Certified Renovator course for a five year certification. Taking the course will bring you into compliance with the law, demonstrate your commitment to lead-safe handling practices, and equip you to protect yourself, your own family, and the occupants of the homes you work in. 


The New EPA RRP Rule Requirements

The new Federal law called RRP now requires that individuals receive certain information before renovating six square feet or more of painted surfaces in a room for interior projects or more than twenty square feet of painted surfaces for exterior projects in target housing, child care facilities and schools built before 1978. The certified firm must maintain documentation describing how and when notification procedures were accomplished.

For homeowners and tenants, renovators must give both parties the pamphlet titled “Renovate Right: Important Lead Hazard Information for Families, Child Care Provider and Schools” before starting work in their living area(s). The firm must get a signature proving receipt of delivery or document the attempted method(s) and reason(s) when a signature was/could not be obtained. If mailed, the pamphlet must be sent a minimum of 7 days in advance of starting the work and a certificate of mailing is required to document it was mailed. Otherwise, you may deliver the pamphlet anytime before the renovation begins so long as the renovation begins within 60 days of the date that the pamphlet is delivered.

If the work is to be done in a common area of a tenant occupied dwelling, the certified firm must also notify tenants individually and or post signs describing the renovations including how to get a free copy of the pamphlet, the location(s) of the work, the scope of the work and the timing of the work. Any changes must also be communicated to tenants in advance and, again, must be properly documented.

For child care facilities, including preschools and kindergarten classrooms, and the families of children under the age of six that attend those facilities, a variety of considerations apply. Check out Flow Chart #2 on page 8 of the EPA’s Small Entity Compliance Guide for specific details

EPA RRP Work Practices

Once work is ready to start on a pre-1978 renovation, the Certified Renovator has a number of important and required responsibilities:

  1. First, before the work starts, this person will post warning signs outside the work area and perform and/or supervise setting up containment to prevent spreading dust. The rule lists specific minimum containment procedures as well as additional performance guidelines for both interior and exterior projects.
  2. Next, the Certified Renovator will supervise and or train employees to perform the required work practices they are allowed to perform if not certified themselves.
  3. The rule also lists specific requirements for the handling and storage of debris, inside and outside of the work area, as well as transportation of the debris off the site.
  4. The rule forbids certain work practices including open flame or torch burning, use of a heat gun that exceeds 1100°F, and high-speed sanding and grinding unless the tool is equipped with a HEPA exhaust control. Again, the Certified Renovator is responsible to ensure that these practices are not used at the jobsite.
  5. Once the work is completed, the regulation specifies cleaning and waste disposal procedures. Clean up procedures must be supervised by a certified renovator.

Cleaning Verification

After the required cleanup activities have been performed, the certified renovator must verify the cleaning by matching a cleaning cloth with an EPA Cleaning Verification Card (CVC). If the cloth appears dirtier or darker than the card, the cleaning must be repeated following specific cleaning guidelines until it meets specific verification requirements.

Record Keeping

A complete file of records on the project must be kept by the Certified Firm, and certain records must be kept by the Certified Renovator if not an employee of the firm. These records must be kept for a minimum of three years. These records include, but aren’t limited to:

  1. Verification that the owner and or occupants have received the Renovate Right pamphlet or what attempts were made to provide the brochure
  2. Documentation of the scope of work
  3. Documentation of work practices used to complete the work
  4. Proof of valid certification of the Certified Renovator
  5. And, Proof of worker training in the required work practices

We know that record keeping is a royal pain, and we also know that if your filing cabinet gets stolen, or is burned in a fire, or is tampered withl, you may end up in big trouble. 

Enforcement and Inspections

The RRP Rule is primarily COMPLAINT DRIVEN. That means that the agency relies on homeowners, neighbors, residents and your competitors to let the FBI know when there is an apparent violation in progress. In addition, anyone can sue for enforcement and collect legal fees, so law firms will have a real financial incentive to advertise for LEAD POISONING cases. 

The EPA will use a variety of methods to determine whether businesses are complying with the RRP Rules. Pre-notification to ERA of work activities is not required and local building departments are not required to be involved in any way, although they likely will in time. The EPA may review, at any time, a firm’s required records, maintained for all renovation jobs the firm has done, for up to three years after the job has finished. The EPA may conduct work site inspections and can issue subpoenas to ensure compliance. Violations are investigated by the FBI. This is federal law, not a local ordinance.

Penalties of up to $32,500 per violation, per day can be assessed. Those committing willful or knowing violation of the rules can also be fined an additional $32,500 per violation or risk up to 5 years imprisonment, or both. EPA may suspend, revoke, or modify a Firm’s certification. Conditions of recertification are specific depending on why the firm lost it.You don’t want to risk it.

EPA will be responding to citizen tips and complaints. Contractors should be aware that record keeping will be a major enforcement tool used by the EPA. Renovators can contest EPA’s allegations and proposed penalty before an impartial judge or jury.

Exemptions to RRP Work Practices

The required work practices may be waived under the following conditions:

  • The home or child occupied facility was built after 1978.
  • The property is used as housing for the elderly or persons with disabilities, unless any child who is less than 6 years of age resides or is expected to reside in such housing
  • The property is a zero-bedroom dwelling, such as studio apartments or dormitories.
  • The renovations are performed by the home owner(s) themselves, without any paid help.
  • The renovations are performed without compensation (Examples might include friends, brother-in-law, or volunteers)
  • The repairs are truly minor in scope, with interior work disturbing less than six square feet of painted surfaces or exteriors disturbing less than 20 square feet of painted surfaces. The EPA has indicated that it intends for the word “disturb” to be interpreted BROADLY, rather than narrowly, so patching a nail hole would likely be considered a one square foot job.
  • The homeowner MAY NOT opt out of the required work practices by signing a waiver that there are no children under age six frequently visiting the property, no one in the home is pregnant, or the property is not a child-occupied facility. Contractors should be aware that EPA has removed the owner’s right to opt-out from the rule and required work practices.
  • The work practices do not apply if the entire house or specifically affected components, as described within a scope of work for the project, test lead free by a Certified Risk Assessor, Lead Inspector or Certified Renovator
  • In the case that renovations are for emergency or interim control purposes, the work practices do not apply. However, in these situations, the cleaning practices and cleaning verification are still required.

Business Considerations

Compliance with this rule and protection of your business will require rethinking existing business practices. Remodelers and others considered renovators under the RRP rule will need to identify what parts of the rule they can support using existing systems, what systems will need modification, what systems will need replacement, and, finally, what new systems will be required that do not already exist. Considerations can include your sales process, contracts and specifications, estimating, production management and methods, project scheduling and critical path, and employee selection just to name a few.

New business administration activities will also need to be considered. Creation, collection and storage of required documentation will be critical for rule compliance and to manage business liabilities. Occupant notification requirements and business recertification requirements are date specific and also require documentation. Effective use of technology will be a critical factor for ensuring compliance while at the same time controlling overhead costs. Businesses with a high dependency on people, rather than technology in these areas, face additional payroll costs and risk increased liabilities due to possible human error.


The New EPA RRP rules will be a game changer for many businesses that perform work that disturbs paint. the truth is that these rules are not all that different from what we are doing right now, but we’ll all have to use a lot more 6 mil plastic sheeting and duct tape and clean up better than we ever have before.  I’m not talking broom clean, or even shop vac clean.  I’m talking about the clean you expect when you take your car or truck in for detailing.

The days of waking up in the morning and finding out what Mrs. Jones wants you to do that day are pretty much over.  From now on, pre-job planning is going to be very important. Who you hire, how you manage them, and how you will produce your work will all be very different from the world you have been living in.

You can’t pretend not to know about or wait for this to go away. Smart business owners and managers can not only meet the requirements of the RRP rule now, but can also use these new requirements in a variety of ways to separate their businesses from the competition. This is a great opportunity to get ready, or, get out. It’s also a great time and reason to invest in or replace your workforce if you plan to stay.

This article published with permission by my good friend in Atlanta, John Adams.


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