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Many people use the term Realtor to describe someone who is a real estate agent or broker. However, you should know there is a difference between a real estate agent or broker who is a Realtor and one who is not. As a Realtor myself, I believe there are significant advantages for clients who hire a Realtor.
Ethical practices
All real estate agents and brokers must be licensed by the state to assist property owners in buying and selling real estate. Only those who choose to become Realtors, however, commit themselves to a higher standard of professional conduct.
This high standard is outlined in the Realtor Code of Ethics, which consists of 17 articles that outline a Realtor's obligations to clients and customers, the public, and to other Realtors. Each article further is further broken down into several standards of practice that outline the conduct a Realtor pledges to abide by. The Realtor Code of Ethics is more than a document of aspirations. It is strictly enforced throughout the Realtor organization to ensure the interests of clients and the public are protected. In fact, anyone can charge a Realtor with an ethics violation, and there are procedures in place to determine if the code has indeed been breached. If so, punishments range from mandatory education to hefty fines - sometimes even suspension of membership in the Realtor organization.
Head of the class
You may have received a business card from a Realtor and noticed a string of letters after his or her name, such as GRI, CRS or ABR. Those letters represent professional designations offered through the Realtor organization and earned through rigorous education courses. Realtors value education. As a buyer or seller, you can benefit from a Realtor's in-depth industry knowledge and expertise that comes from designations earned through the Realtor organization. Each of these designations represents a different type of expertise - perhaps in buyer representation, affordable housing, technological proficiency, a specialty in some aspect of commercial real estate, and others.
Working together on behalf of property owners
You benefit when you work with a Realtor who represents your best interests in a specific real estate transaction. But you also benefit from the actions of Realtors as a whole. Realtors work together to promote the interests of homebuyers and property owners. For example, Realtors were at the front of the charge to provide property-tax relief to homeowners. Realtors also championed legislation to curb the eminent-domain powers of local governments attempting to take property simply because they could make more tax revenue if a commercial interest occupied that land. Realtors were behind the fight for strong homestead protections, making it less likely that a homeowner will find himself in a foreclosure situation.
Working with a Realtor certainly has its advantages for clients. Whether you're interested in buying your first home, your next home, or just want to know more about home-ownership in general, I encourage you to check out a couple of great online resources: http://www.texasrealestate.com/ or http://www.har.com/ and for all of your Pearland TX and Northern Brazoria and Galveston County real estate needs, please visit my site at http://www.danfrankrealty.com/. All of these sites offer tons of useful, real estate-related information geared specifically for Texans.
Danny Frank is a local Pearland TX Real Estate expert
This column was published in the 23Nov08 edition of the Galveston County Daily News
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When you think of buying a home of your own, what do you picture? Many people conjure up the image of a detached, single-family house. There's a yard in front and back, perhaps a fence around the property. That may be a great situation for a lot of folks, but there are other options out there - other types of properties you can call your own. Depending on your situation and goals, you may find something other than a single-family house makes the most sense for you.
Condos
You get many of the same benefits from owning a condo as owning a single-family home. You can deduct your mortgage interest and property taxes from your federal income taxes if you itemize, and you increase your personal wealth as you build equity. You also have more control over your future. If you own a condo, there is no landlord to increase your rent or tell you to vacate the property because the owner has decided to occupy it.
When you live in a condo, you avoid some of the maintenance and upkeep issues that come with a house. You'll pay a monthly condo association fee for that convenience, but you won't have to mow the yard, water or replace the plants, paint the exterior, and other tasks associated with owning a single-family house. Your association fee also goes toward repairs and routine maintenance. Remember, this money keeps the property well-maintained and protects the value of your property.
You may also get to enjoy amenities like a pool, clubhouse, or workout room. If a property has extensive upscale amenities that you don't think you'll use, you might prefer to look elsewhere. Condo association fees can vary greatly and generally, the more things to keep up, the higher the fees.
Don't forget that condominiums often share walls. Living in close contact with your neighbors has advantages and drawbacks. If you've ever lived in a condo or apartment, you have a good feel for those. Be realistic with yourself when you decide if a condo is a good choice for you. Also, don't assume that a condo will cost less than a detached house. There are upscale condos and inexpensive houses, just like there are upscale houses and inexpensive condos.
Multifamily
Duplexes, triplexes, and fourplexes are another good option. Though some people own small multifamily properties solely for investment purposes, others find it advantageous to purchase a property, live in one of the units, and rent out the others. You may decide you like this arrangement solely for the financial aspects of it, or it may work well if you have a relative or friend that you'd like living close by.
In this scenario, remember that you are not only a homeowner but a landlord as well. That comes with benefits (a monthly rent check, equity that continues to build) and responsibilities (making repairs, finding tenants).
It's also possible to purchase half of a duplex - or one unit of some other multifamily property. You might hear properties of this type referred to as townhomes. Which brings me to an important point: Regardless of what a property is commonly called - condo, co-op, loft apartment, townhome, garden home - it's important to know what legal definitions and documents govern the purchase and ownership of the property. It's equally important to know what those definitions and documents mean when it comes to your continued expenses and the rights of ownership you will enjoy.
Your Realtor can help you find a property that fits your needs and help you understand what is involved in purchasing and owning a home.
Whether you're interested in buying your first home, your next home, or just want to know more about home-ownership in general, I encourage you to check out a couple of great online resources: http://www.texasrealestate.com/ or http://www.har.com/ and for all of your Pearland TX and Northern Brazoria and Galveston County real estate needs, please visit my site at http://www.danfrankrealty.com/. All of these sites offer tons of useful, real estate-related information geared specifically for Texans.
Danny Frank is a local Pearland TX Real Estate expert
This column was published in the 30Nov08 edition of the Galveston County Daily News
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You’ve finally found a house that’s just right for you and your family. But before you invest hundreds of thousands of dollars in that “perfect” home, find out what’s not so perfect about it.
Houses include many complicated systems and other areas of concern for a buyer. Heating and cooling systems, electrical wiring, plumbing, a roof, siding, windows – you get the idea. No matter how observant you are, you’re probably not qualified to perform an assessment of all those items before you commit to the purchase.
However, a licensed home inspector can give you a pretty good picture of the overall condition of the house and its parts. Armed with a report from a qualified inspector, you can make a better-informed decision about your purchase of a home. You can proceed with the transaction as planned, ask the seller to make some repairs or concessions, or terminate the sales contract.
What is a home inspection? A home inspection is a visual examination of the structure and systems of your home. A typical inspection covers the electrical, heating, and air-conditioning systems; plumbing; roof; interior walls and ceilings; insulation; windows; doors; and foundation. It usually does not include septic systems, swimming pools and hot tubs. Keep in mind that if an inspector cannot access a particular area, such as a very steep roof, he won’t be able to inspect it.
Timing is everything
Buyers typically contact a home inspector right after they sign a purchase contract in order to schedule the inspection before the contract’s termination option period expires. This approach enables you to follow up on any problems uncovered by the inspector. And if you find something you can't live with, you're within your rights to terminate the contract without penalty.
The time to find an inspector is before you sign a contract on a house. Make sure you identify at least two inspectors in case one is unavailable. Ask friends and family for their inspector recommendations and follow up with some research of your own.
Ask questions Once you settle on some potential inspectors, ask them questions about their services. Here are some suggestions:
- What is your fee?
- What will the inspection include? (Ask for a list of items that are included and excluded.)
- How long will the inspection take, and can I attend it? (Be wary of an inspector who doesn’t want you around.)
- What type of training and licenses do you hold? (Make sure he’s licensed in Texas.)
- Will you provide a written inspection report?
- How do you inspect the roof?
- Will you provide a list of references?
- If repairs are made based on your initial inspection, is there an additional fee to have you re-inspect that the house?
Talk to a specialist A home inspector’s job is to find problems, not fix them. If your inspector finds a problem with a house’s wiring, call an electrician. You can get an estimate of the cost and severity of the repair and decide how to proceed with your purchase. Watch out for any inspector who finds a plumbing problem and immediately tells you that he’s a licensed plumber.
Speaking of specialists, your Realtor can advise you on the timing of your home inspection and answer any questions you have about the termination option in your contract. It’s unlikely that you’ll find a home without any problems – even newly constructed ones typically have flaws – but a home inspection can make you a better-informed home buyer. Once you know the condition of your dream house, you and your Realtor can discuss how to proceed.
If you want to look up more about and review the Standards of Practice for an inspector got to the State of Texas' web site at: http://www.trec.state.tx.us/inspector/default.asp You can look up your inspector and find out more about what it is they should be doing.
Whether you're interested in buying your first home, your next home, or just want to know more about home-ownership in general, I encourage you to check out a couple of great online resources: http://www.texasrealestate.com/ or http://www.har.com/ and for all of your Pearland TX and Northern Brazoria and Galveston County real estate needs, please visit my site at http://www.danfrankrealty.com. All of these sites offer tons of useful, real estate-related information geared specifically for Texans.
Danny Frank is a local Pearland TX Real Estate expert
This column was published in the 26Oct08 edition of the Galveston County Daily News
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As the housing market continues to make national headlines, I want to clarify that our strong economy in Texas is supporting a stable housing market.
According to the latest report from the National Association of Realtors®, seven of the eight Texas major metropolitan areas monitored had an increase in their median home price from the fourth quarter of 2006 to the fourth quarter of 2007. Those cities are Amarillo, San Antonio, Austin, Corpus Christi, El Paso, Houston and Dallas. Pearland is also following this trend. As seen in the chart below. The price trend for Pearland real estate is still on the increase.

Other Factors contributing to a positive outlook for Texas housing include:
- A relentless growth in population will fuel the need for homes. In the next 15 years, enough people will move to Texas to create a new Dallas, Austin, Houston and San Antonio.
- Texas has one of the best real estate climates in the nation with affordable housing and affordable lifestyles.
- Texas has the best tax structure for business and will continue to outperform other states in attracting relocating companies and job growth.
Most media reports capture real estate at the national level, but our industry is very localized. As a member of the board of directors for the Houston Association of Realtors®, I encourage you to turn to a REALTOR® who is monitoring the trends and conditions in your community when you need real estate information or assistance.
With appreciation,
Danny Frank
Houston Association of Realtors® board member
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It has played out in your mind already, hasn’t it? Less than 24 hours after you put your home up for sale, several buyers start a bidding war that results in an offer higher than your asking price. But what if that’s not how selling your home plays out? What if 24 hours stretch into 24 days, then 24 weeks without a single promising offer? No doubt you’d like to avoid that second scenario. Steer clear of the following mistakes, and you’ll decrease your chances of watching the months pass without a pending sale in sight.
Aiming too high
Some sellers figure they should determine the highest possible asking price for their home and then tack on a bit more for negotiating wiggle room. Who knows, maybe someone will offer full price anyway.
A pricing strategy like this backfires more often than not. For starters, many potential buyers won’t even view your property if you value it above their price range. And if your home doesn’t compare favorably to others offered for the same price, you are just helping sell other people’s homes.
Even worse, when an overpriced home sits on the market, buyers wonder what’s wrong with it. Many times, sellers wind up lowering their price below the level that would have attracted a sale had it been priced properly from the start.
Comparing your home to the wrong properties
When determining the asking price for your home, you can get valuable information from comparable properties. But that doesn’t necessarily mean you should ask for the same price as the home down the street that sold last week. That house may have more rooms, better amenities, and incredible landscaping (or fewer, worse, and less-impressive).
You also may miss the mark if you base your price on similar properties in a different neighborhood. And don’t pay too much attention to what other homeowners are asking. They may have over- or under-priced their property based on their own mistakes.
Finally, make sure to use recent comparable sales. The housing market can change quickly. Many Realtors are happy to provide you an assessment of your home’s value based on recent, relevant comparable sales.
Ignoring the little things
Are you familiar with the book “Don’t Sweat the Small Stuff … And It’s All Small Stuff”? I don’t think the author was giving advice about getting your home ready to sell. Little things count. Maybe you’ve learned to live with some minor imperfections about your house, but buyers won’t be impressed. Fix dripping faucets, touch up chipped paint, replace broken door handles, patch cracks, and clean, clean, clean.
Hanging out Surely house hunters want you around in case they have any questions for you, right? Wrong. Many people get uncomfortable with the owners present. They don’t feel free to discuss the property objectively and may cut their viewing short. If you can’t leave your property during a showing, put as much distance between you and the buyers as you can.
Hiding things Certain aspects of your home’s history and condition must be disclosed by law. You definitely don’t want to conceal that information. You may also want to reveal aspects about your property that you’re not required to reveal. Why? Most people will find out about them at some point anyway—perhaps from a neighbor or through their own observations or a professional inspection. Nothing can derail a real estate transaction quicker than an unpleasant surprise.
Ignoring an offer
You receive an offer much lower than you are willing to accept. Lower than anybody would accept. You might be inclined to ignore it. After all, it’s an insult, right? Take a deep breath. Someone has expressed interest in purchasing your house. That’s a good thing. Your Realtor can help you prepare a counteroffer or communicate to the other party that the offer is unacceptable but you would be willing to look at another offer that meets certain criteria. When you hear back from the prospective buyer, you can then decide if this transaction has a future.
Assuming all agents are the same
The terms Realtor and real estate agent are not synonymous. Only those agents who belong to the National Association of Realtors and pledge to adhere to a strict code of ethics may call themselves Realtors. Your Realtor will look out for your best interests and help you avoid mistakes that can leave your home languishing on the market.
This column was published in the Jan 20, 2008 edition of the Galveston County Daily News.
For all of your Pearland Real Estate needs, contact Danny Frank
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I read this and thought we all need to see this.... It is very long, but a must read.
Danny
By Jeff Emanuel Published 5/25/2007 12:09:13 AM
Despite taking place in an age of seemingly limitless information, the Global War on Terror (GWOT) has spawned a paucity of stories on the topics of heroic action and courage under fire. Regardless of whether this has been the result of honest, unfortunate oversight, or a byproduct of the "if it bleeds, it leads" mindset of a sensationalist 24-hour media apparatus which seems willing only to report the bad news from the various fronts in the War on Terror, the fact remains that there are no grand tales being told of modern Audie Murphies, Jimmy Doolittles, Pappy Boyingtons, Bill Pitsenbargers, or Bud Days, despite the fact that the nation -- and a significant amount of her soldiers -- is at war. This is not a new phenomenon; even the most recent pre-GWOT recipients of the Congressional Medal of Honor -- Army sergeants Randy Shughart and Gary Gordon, who were killed in Mogadishu in 1993 -- are hardly household names. However, the high-profile nature of the War on Terror should mean that more such tales reach the living rooms of Americans who are hungry for more than the ordinary doom-and-gloom fare offered throughout the 24-hour news cycle.
This lack of reported stories of heroism on the part of America's fighting men and women is not due to a lack of media access to the military. On the contrary, Operation Iraqi Freedom has seen a new era of access for journalists with the advent of the Department of Defense's media embed program. Likewise, the lack of relevant reportage is not because there has been a deficiency in individual gallantry displayed on the field of battle; there have been numerous cases of exceptional courage under fire to this point in the War on Terror, and there will doubtless be many more before this conflict has drawn to a close.
Every man and woman fighting for America deserves respect and acknowledgment. There are some, though, who go above and beyond even the bravery and valor shown by the "average" soldier, sailor, airman, or Marine who puts his or her life on the line day in and day out in defense of America and in pursuit of the nation's goals. Here is a selection of four exceptional warriors -- one from each branch of service -- whose names and deeds every man, woman, and child should know. Each of these men is a true hero in every sense of the word, having fought in defense of America, and having made the ultimate sacrifice for their mission and for their fellow men.
Michael Monsoor, United States Navy Michael Monsoor of Garden Grove, California, felt the same call to serve his country that had led his father and brother into the Marine Corps. He was pulled in a different direction than his family members, though: he was drawn to the U.S. Navy, not out of a desire to serve in the fleet, but out of a burning ambition to serve as a Navy SEAL, one of America's Special Operations elites.
Monsoor excelled at BUD/S (Basic Underwater Demolition/SEAL) training, and was assigned to SEAL Team Three, based at Coronado, California. It was in Iraq, though, as he fought alongside his teammates, that he repeatedly demonstrated the bravery and heroism which are characteristic of America's fighting men and women, and it was in that same country, on September 29, 2006, that the 25-year-old hero gave his life to protect them.
A recipient of the Bronze Star Medal for his earlier actions in the War on Terror, Monsoor was earned a Silver Star, the third-highest medal conferred upon members of the United States military, for his valor and selflessness while engaged in a firefight in Ramadi in May, when, according to the report, "he and another SEAL pulled a team member shot in the leg to safety while bullets pinged off the ground around them." Only weeks later, Monsoor's willingness to risk his life for his teammates was demonstrated to the utmost, as he made the ultimate sacrifice to save the lives of the men around him.
According to the Navy's official narrative:
On 29 September, Monsoor was part of a sniper overwatch security position in eastern Ramadi, Iraq, with three other SEALs and eight Iraqi soldiers....Ramadi had been a violent and intense area for a very strong and aggressive insurgency for some time....An insurgency fighter...threw a fragment grenade into the overwatch position which hit Monsoor in the chest before falling in front of him. Monsoor yelled "Grenade!" and dropped on top of the grenade prior to it exploding. Monsoor's body shielded the others from the brunt of the fragmentation blast and two other SEALs were only wounded by the remaining blast.
The most important part of this incident to understand, in order to fully appreciate the magnitude of Monsoor's sacrifice, is this: due to the orientation of the room, and the location of its lone exit, he was the only person who could have escaped. Doing so, though, would have meant abandoning the others in the room to grievous injury or, more likely, to death. Knowing both courses of action, and the consequences of each, he had to make a split-second decision.
Said Monsoor's mother later, "We just knew that if Mike was put in a situation like he was, he wouldn't hesitate."
And he didn't. According to the Associated Press, "One SEAL lieutenant...watched Monsoor shield him and others from exploding hot metal...when the grenade blew up their sniper position. 'Mikey had the best chance of avoiding harm altogether,' said the officer. 'But he never took his eye off the grenade.'"
A mere two weeks from redeploying home from Iraq himself, Monsoor gave up his life so that the men around him would have a chance to return to their families.
As was so eloquently and succinctly put by the Chicago Tribune's Kristen Scharnberg shortly after the incident, in an article titled "Medals of Honor largely MIA among heroics of Iraq war":
The men who were there that day say they could see the options flicker across Michael Monsoor's face: save himself or save the men he had long considered brothers.
He chose them.[Emphasis added.]
The decision was made in less than an instant -- and those whose lives would have ended that day but for Monsoor's action will carry a weighty gratitude for as long as they live. Three months after making the ultimate sacrifice, Mike Monsoor was nominated for a posthumous Medal of Honor -- and, if there is any justice in this world, that request will be approved as quickly as possible.
Jason Dunham, United States Marine Corps Coincidentally, Jason Dunham, of Scio, New York, shared a birthday (the day before Veteran's Day) with the United States Marine Corps. A Corporal in the Corps, he was killed in Iraq in 2004, at the age of 23; had he not given his life for his comrades on one fateful day three years ago, he would have turned 25 last fall on the day that the USMC, which has been fortunate beyond measure to have contained men of Dunham's quality for over two centuries, turned 231.
Dunham's death in Iraq is not the story in itself, though; it is his final actions, stunning in their selflessness and heroism, which deserve to be known and remembered. According to the official report:
On April 14, 2004, Corporal Dunham heroically saved the lives of two of his fellow Marines by jumping on a grenade during an ambush in the town of Karabilah.
When a nearby Marine convoy was ambushed, Corporal Dunham led his squad to the site of the attack, where he and his men stopped a convoy of cars trying to make an escape. As he moved to search one of the vehicles, an insurgent jumped out and grabbed the corporal by the throat.
The corporal engaged the enemy in hand-to-hand combat. At one point, he shouted to his fellow Marines, "No! No! No! Watch his hand!"
Moments later, an enemy grenade rolled out and Corporal Dunham jumped on the grenade to protect his fellow Marines, using his helmet and body to absorb the blast. Corporal Dunham succumbed to his wounds on April 22, 2004.
At the time of the battle in question, Lance Corporal Mark Edward Dean, a close friend of Dunham's, "didn't recognize the wounded Marine being loaded into the back of his Humvee. Blood from shrapnel wounds in the Marine's head and neck had covered his face. Then Lance Cpl. Dean spotted the tattoo on his chest -- an Ace of Spades and a skull -- and realized he was looking at one of his closest friends, Cpl. Dunham. A volunteer firefighter back home in Owasso, Oklahoma, Lance Cpl. Dean says he knew from his experience with car wrecks that his friend had a better chance of surviving if he stayed calm.
"You're going to be all right," Lance Cpl. Dean recalled saying to Dunham as the Humvee raced against the inevitability of time and mortal wounds, on a doomed quest to save the life of a brave Marine whose selfless act had just saved the lives of his comrades.
"We're going to get you home."
The situation was eerily familiar to Dean, who recalled Dunham's words to him and their comrades while on a trip to Las Vegas shortly before leaving the US for Iraq, when Dunham told them that he was planning to extend his enlistment and stay in Iraq for the battalion's entire tour. "You're crazy for extending," Lance Cpl. Dean said. "Why?"
Cpl. Dunham responded: "I want to make sure everyone makes it home alive. I want to be sure you go home to your wife alive."
And he did just that.
Though necessary, it hardly scratches the surface of sufficient repayment to Corporal Dunham, and to his family, that his parents were presented a posthumously awarded Medal of Honor, the nation's highest possible award for military valor, in his name by President Bush in a January 11 ceremony at the White House.
The Medal, established by Joint Resolution of Congress, can be awarded to an Armed Forces member who "distinguishes himself conspicuously by gallantry and intrepidity at the risk of his life above and beyond the call of duty while engaged in an action against any enemy of the United States, while engaged in military operations involving conflict with an opposing foreign force." The incredible bravery, love, and selflessness displayed that day showed that Corporal Jason Dunham embodied these principles and requirements to a "T," and he was as deserving of the Medal of Honor as any have ever been.
Ross McGinnis, United States Army When most young men are turning 17, they are thinking about their upcoming senior year of high school, their sports career, or their choice of college. When Ross McGinnis, of Knox, Pennsylvania, turned 17, he marched down to the recruiter's office and joined the Army via the delayed enlistment program.
When in kindergarten, said Rebecca McGinnis, her son "drew a soldier...when he was supposed to picture what he wanted to be when he grew up." At the age of 18, the ambidextrous McGinnis was in training to be an infantryman, where he qualified as a sharpshooter with both left and right hands. Shortly thereafter, he was assigned to Charlie Company, 1st Battalion, 26th Infantry Regiment, based in Schweinfurt, Germany, where he was the youngest soldier in the unit.
In August of last year, he found himself in Iraq, patrolling the streets of Baghdad, and in November, immediately following the Saddam-trial verdict, he helped forcefully put down a premeditated violent uprising by insurgents.
McGinnis distinguished himself so greatly in his first three months in Iraq that a waiver was requested -- and granted -- to promote him to Specialist (E-4) despite lacking the requisite time in service.
On December 4, 2006, at the age of 19, Ross McGinnis traded his life for the lives of four members of his squad, when he jumped on a grenade and shielded them from the blast. He remains 19 years old forever.
On the last day of his life, PFC McGinnis was manning the .50-caliber machine gun mounted in a turret atop his Humvee, and serving as the rear guard in a mounted combat patrol against insurgents and sectarian fighters. As the convoy made a turn onto a narrow street, a fragmentation grenade was thrown from the rooftop of an adjacent building. According to the official report, "[McGinnis] immediately yelled "Grenade!" on the vehicle's intercom system to alert the four other members of his crew...[he] made an attempt to personally deflect the grenade, but was unable to prevent it from falling through the gunner's hatch."
For his subsequent actions, McGinnis was posthumously awarded the Silver Star, the military's third-highest award for combat heroism (specifically, for "gallantry in action against an enemy of the United States").
According to platoon sergeant Cedric Thomas, who was commanding the vehicle, "McGinnis yelled 'Grenade...It's in the truck!'...I looked out of the corner of my eye as I was crouching down and I saw him pin it down.
"He had time to jump out of the truck. He chose not to."
Thomas reportedly "remembered McGinnis talking about how he would respond in such a situation. McGinnis said then he didn't know how he would act, but when the time came, he delivered."
"He gave his life to save his crew," Thomas said. "He's a hero. He's a professional. He was just an awesome guy."
McGinnis's Silver Star citation recounts the events in greater detail:
His Platoon Sergeant, the truck commander, was unaware that the grenade physically entered the vehicle and shouted "where?" to PFC McGinnis. When an average man would have leapt out of the gunner's cupola to safety, PFC McGinnis decided to stay with his crew. Unhesitatingly and with complete disregard for his own life he announced "the grenade is in the truck" and threw his back over the grenade to pin it between his body and the truck's radio mount.
When the grenade detonated, PFC McGinnis absorbed all lethal fragments and the concussion with his own body killing him instantly. His early warning allowed all four members of his crew to position their bodies in a protective posture to prepare for the grenade's blast. As a result of his quick reflexes and heroic measures, no other members of the vehicle crew were seriously wounded in the attack. His gallant action and total disregard for his personal well-being directly saved four men from certain serious injury or death.
The tremendous sacrifice involved in such a gallant, heroic act is indescribable. At the age of 19, the youngest man in his Company, Ross McGinnis willingly forfeited his own life, his own desires, and his own future so that his comrades -- those with whom he had been facing enemy fire -- could have them.
"He was that kind of person," said Michael Blair, a fellow 1-26 infantryman. "He would rather take it himself than have his buddies go down."
We can only hope and pray that when Tom and Rebecca McGinnis think of their son Ross, which they will always do with a sorrow that none but a parent can know, they will dwell not on the life that was lost, but on those that were saved -- and that they focus not on the act that took his life, but on the manner in which he conducted himself in willingly giving it. The fact that their son committed the ultimate act of love, heroism, sacrifice, and selflessness, giving his life that others might live, may be little comfort to a grieving parent. However, it is no small achievement, no mean feat, and is worthy of nothing but the highest possible recognition from the grateful nation that he died serving.
And he may yet receive the highest recognition that America can offer him. Due to the unparalleled heroism with which he conducted himself, PFC Ross McGinnis has been submitted for a Medal of Honor of his own. We can only hope that the earthly memory of his final act is justly served, and that his nomination is quickly approved.
Ross's posthumous Silver Star was presented to his parents at a memorial service, held with full military honors, on December 17 in Knox, Pennsylvania. Most deservingly, his final resting place will be Arlington National Cemetery, where he will no doubt be welcomed with open arms by those fallen heroes who already await him there.
Jason Cunningham, United States Air Force Jason Cunningham of Carlsbad, New Mexico, joined the U.S. Navy at the age of 19, but he didn't stay long. After just under four years in the fleet, Cunningham decided on a radical career change, setting his sights on joining an elite Air Force fraternity known as Pararescuemen. The USAF has fewer than 1,000 of these medical professionals whose job is to deploy by any means necessary -- sea, air, or land -- to rescue downed aircrew members and injured special operators.
Cunningham succeeded in his goal of becoming a PJ, and was assigned to the 38th Rescue Squadron at Moody AFB, GA. Only eight months later, he deployed to Bagram Air Base in Afghanistan as part of Operation Enduring Freedom. The PJs there were based in an air operations building which also housed a forward surgical team -- a training opportunity which he took advantage of almost immediately.
"Every time we had a casualty event [Cunningham] was always the first one here offering to help," said Dr. (Maj.) Brian Burlingame, the surgical unit's commander. "His enthusiasm was just genuine to the core, which was what endeared him to us. He was like a little brother."
"He had more motivation than any one man should have," said a Pararescue colleague. "He was all about saving people's lives."
Besides honing his personal medical skills, Cunningham's involvement with the surgeons down the hall at Bagram directly resulted in a development which would save the lives of American soldiers in the very near future: the allowing of PJs to carry whole blood into combat as a part of their medical loadout. This was a controversial step, Dr. Burlingame told the Air Force Times, because:
"Blood is an FDA-controlled substance. It's very, very regulated." Special training, not to mention lots of paperwork, is required before medics are considered qualified to administer blood in the field. After Cunningham and Burlingame started talking, all the pararescuers here took the classes and filled out the paperwork.
"We then pushed blood forward with [Cunningham's] group," Burlingame said.
Perhaps the most famous battle of Operation Enduring Freedom, the battle of "Roberts Ridge" (a subset of Operation Anaconda which saw a loss of life unprecedented in the special operations community since Mogadishu in 1993), was Cunningham's first -- and last -- taste of combat. After Navy SEAL Neil Roberts fell out of an MH-47 Chinook helicopter which took heavy fire while attempting to insert a SEAL team onto a hilltop to overwatch the Anaconda battlefield, and a second helicopter had deposited the remainder of Roberts's squad and an Air Force combat controller (Tech. Sgt. John Chapman, whose actions during the battle cost him his life but earned him a posthumous Air Force Cross) on the hilltop in an attempt to rescue the fallen sailor, whom Predator UAV footage had shown being captured by Taliban fighters, a quick reaction force (QRF) composed mainly of a squad of Army Rangers was launched to reinforce the outmanned and outgunned Americans who had quickly become pinned down in an exposed position.
As it approached the landing zone, the QRF helicopter came under such significant ground fire that it was forced to make a crash landing in an exposed area of the hilltop, only 100 meters from a fortified enemy position. The soldiers on board immediately took fire, and casualties began to mount instantly.
Cunningham worked feverishly to treat the wounded Rangers and aviators, doing so in the back of the downed Chinook helicopter until it caught fire and became the target of increasingly accurate enemy mortar fire. Making the decision to move his patients, Cunningham crossed the line of fire seven separate times while successfully transporting them to higher ground -- then was forced to move them twice more to avoid the enemy fire raining down on their static, vulnerable casualty collection points. Finally, just after midnight, after so much success defying enemy fire to move and treat his patients, Cunningham's luck ran out, and he was shot in the abdomen just below his protective vest. According to the Air Force Times, "Cunningham must have known he was in serious trouble. But despite his worsening condition, he continued to treat patients and advise others on how to care for the critically wounded. One of the two blood packs he had brought [and which he was directly responsible for PJs being able to carry] saved a badly wounded Ranger. The medics gave the other packet to Cunningham himself, whose life was slowly flowing out in a red stream onto the white snow."
Nearly twenty hours after suffering serious internal injuries, and not long before the area became cold enough for rescue helicopters to arrive and evacuate the wounded fighters, Cunningham succumbed to his wounds. He had treated patients to the end, and was credited afterward with having almost single-handedly made sure that only seven men died rather than seventeen -- though such dedication and seriousness of purpose ended up costing him his own life. Every wounded man he treated survived the encounter, and for his extraordinary heroism and gallant action in living the Pararescue motto ("That Others May Live"), he was posthumously awarded the Air Force Cross, the second-highest award that the USAF offers. According to the citation, "As a result of [Cunningham's] extraordinary heroism, his team returned 10 seriously wounded personnel to life-saving medical care."
"He was right in the thick of it, doing it right up to the end," said a fellow Pararescueman. "Jason was right where every PJ wants to be. He was where guys needed him, and he was saving lives."
No Greater Love... These four men exemplify a mindset that is both incomprehensible and unimaginable to all who have not been in such a situation. When faced with a life or death situation, with an escape route both simple and available, and against every instinct of self-preservation, every one of them chose death -- and, in doing so, allowed men with them, marked for death, to keep their lives.
The mindset that compels a man to put himself into harm's way for the purpose of saving another is impossible to describe; however, it is a defining characteristic of the true warrior who has faced combat, and who has experienced the reality of having his life entirely in the hands of the men next to him, while having each of those in his own hands.
Said Dr. Joseph Blake, a sociologist who has researched the act of soldiers throwing themselves on grenades and other acts of sacrifice in the line of fire, "A combat situation has not a whole lot to do with patriotism or the folks back home...They are fighting for their buddies. They don't want to let their buddies down."
There truly can be no greater love, no more heroic acts, than these. The men whose lives were saved by the direct intervention of Mike Monsoor, Jason Dunham, Ross McGinnis, Jason Cunningham and others will carry the burden of gratitude with them to the grave, and beyond.
However, the scope of these men's sacrifices is far greater than the relatively small number of people who were spared by their action. Every one of the soldiers, sailors, airmen, and Marines who has died in combat has done so to save each of us; the bullets they have taken, and the grenades they have thrown themselves upon, have been aimed, indirectly, at every one of us, and those who have felt their impact, and have given their lives in battle, have done so that we may live.
So, to these men and women and to others like them, every American owes -- at the very least -- her eternal gratitude, and an undying commitment to never take for granted those things which we, due to their sacrifices, can continue to enjoy, but which they, due to those same sacrifices, will never again be able to do. As Memorial Day nears, take a moment to thank a friend, family member, or total stranger who has served -- or is serving -- this country, for, while they will never seek the praise or thanks of their fellow man, all will appreciate the gratitude. It is our solemn duty to honor those who have kept us safe and free for the past 230-plus years. America has stood strong for those years largely because of men like these, their comrades, their forbears and those who will come after them, and it is because of men like them that we shall remain so.
The sacrifices of these true warriors, like those of the countless others whose stories have not yet been told to a public which anxiously awaits such news, did not make them heroes.
It simply demonstrated what heroes they were all along. Please visit http://www.danfrankrealty.com
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I would like to start off by saying I love BTSA's.... But do they really work? Do you ever show a listing just because it has a nice BIG BTSA. Or do you just show house's that meet your client's needs. Tell me the truth now, is about the BTSA or your customer????
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I read this today and thought everyone should at least think about this and start talking about it.
Danny Frank - http://www.danfrankrealty.com
"Gun-Free" School Zone Again a Failure
by: Robert G. Heinritz, Jr. J.D.
"We're all ignorant, just on different subjects." -- Will Rogers "Without data, we're just another *** with an opinion." -- D. Chris Anderson, Ph.D.
All of us should feel a little sick, and great sympathy for the victims and their families, as a result of the tragic series of shootings by a deranged killer in Blacksburg, Virginia. Unfortunately, it doesn't take a rocket scientist to understand the killing-spree at Virginia Tech is precisely what the anti-self-defense forces have been waiting for.
(1) Predictable, the followers of Sarah Brady - and perhaps many of the Democratic candidates for President - will call for more gun control.
(2) Second Amendment advocates, with knowledge of the scientific data, will observe that, in that terrible nightmare-situation in Blacksburg, if just one civilian with a firearms concealed-carry permit had been among the shooter's intended-victims, he or she could have stopped the killing and saved many lives - long before the police arrived. This is exactly what happened on January 16, 2002 at Appalachian Law School in Grundy, Virginia, where three individuals, two of whom were legally armed with handguns, stopped a disgruntled former student who was trying to kill everyone.
But self-defense was impossible at Virginia Tech. In an incredible act of "feel-good" ignorance, "Policy 5616 - Campus and Workplace Violence Prevention Policy" prohibited all firearms for self-defense from the Virginia campus. Lawful gun-owners - who had submitted applications, paid all fees, submitted fingerprint-cards for national police-checks, and confirmed knowledge of the law and proficiency with their firearm - were told by Virginia Tech they do not have the right to defend their life, even though the State of Virginia has said they can. The foolish desire to "feel safe" prompted this university policy, which actually made people less safe. Virginia Tech's "Policy 5616" enabled the needless carnage on their campus. The cost this day - over 30 killed, plus more wounded and possibly dying in a premeditated murder-spree.
It could have been avoided. All credible data confirms in the United States roughly 2.5-million crimes are stopped or deterred by armed civilians every year - most with no shots fired, and fewer than one in a thousand resulting in any death. 2.5-million crimes! There have been scores of credible, independent, criminological-studies which confirm guns in the hands of the law-abiding save lives. You might start by reading John Lott's MORE GUNS, LESS CRIME, and his later, MEDIA BIASES AGAINST GUNS. There are dozens of such publications - many by well-known, liberal Constitutional scholars - on the Constitution, history, and current criminological data. There is no - repeat, NO - valid data that indicates so-called "gun control" laws prevent violence, or keep guns out of the hands of criminals. The data indicates just the reverse - where the law-abiding are deprived of their right of self-defense, violent crime increases.
So-called "gun control" laws harm innocent people. My friend, Dr. Suzanna Gratia Hupp, lost her parents in the Luby's massacre in Killeen, Texas. Dr. Hupp, who kept her gun locked up that day in compliance with the law at the time, said "I blame the deaths of my parents on the legislators who deny me the right to defend myself." Just 2-months later, in an eerily-similar incident in a restaurant armed-robbery in Anniston, Alabama, all innocent lives were saved by a lone customer who happen to have a legally-concealed pistol in his possession. The national press, which had such an anti-gun feeding-frenzy over the Killeen incident, never bothered to mention the 21-lives saved by the lone gunman in Anniston.
There is an old legal maxim, "Hard cases make bad laws." As I am writing this, all major TV networks are rehashing every past school-shooting incident in their TV libraries. I have no doubt they will dig up Sarah Brady, Bill Clinton, or some other politician to once again call for their discredited and dangerous laws. What every TV-report has failed to mention is every one of those schools were by law, "gun free" - meaning the killers knew their victims were defenseless. In Israel, attacks on schools were abruptly stopped when teachers and (where appropriate) adult-students were permitted guns for self-defense.
What position will the media take? A rational policy based on the data? Or still more hysterical calls for useless anti-gun laws, which are ultimately more dangerous to our values and public safety?
Bob Heinritz is an honors graduate in management, economics, law and a member of the Bar of the states of Arizona, Illinois and Missouri. He is a former trial lawyer, and now is a business attorney and management consultant, specializing in strategic planning, productivity and business turnarounds.
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Just a little info from TREC about the Special Provisions section of the TREC contract. This is quite intresting and can save you time and money.
Many lenders are requiring contracts to be re-written because of a few items that are being written into the Special Provisions section of the TREC contract that cause problems with the loan. The “Special Provisions” section of the Texas Contract Forms has undergone some refining over the years. In the past it was often used to add in the amount of money that the seller was contributing to the buyer for closing costs and prepaids, but that information now has a home of its own in paragraph 12.A.(1)(b).
| 11. |
SPECIAL PROVISIONS: (Insert only factual statements and business details applicable to the sale. TREC rules prohibit licensees from adding factual statements or business details for which a contract addendum, lease, or other form has been promulgated by TREC for mandatory use.)
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However, many contracts that are being written currently have items in the Special Provisions section such as “Repair Allowances” or “Repairs to be made by Sellers.” Paragraph 7.D. or the Amendment Form should be used to itemize the "Repairs to be made Sellers." Repair allowances should not be used to provide extra money from the seller to the buyer as most lenders look at “repair allowances” unfavorably because: It may imply that the property is not in great shape and may not be valued properly It may go outside of the guidelines for standard seller contributions Most importantly, the loan cannot close until all of the repairs have been completed unless the parties otherwise agree in writing. (See Section 7. F of the contract)
| 7.F. |
COMPLETION OF REPAIRS AND TREATMENTS: Unless otherwise agreed in writing, Seller shall complete all agreed repairs and treatments prior to the Closing Date. All required permits must be obtained, and repairs and treatments must be performed by persons who are licensed or otherwise authorized by law to provide such repairs or treatments. At Buyer’s election, any transferable warranties received by Seller with respect to the repairs and treatments will be transferred to Buyer at Buyer’s expense. If Seller fails to complete any agreed repairs and treatments prior to the Closing Date, Buyer may do so and receive reimbursement from Seller at closing. The Closing Date will be extended up to 15 days, if necessary, to complete repairs and treatments.
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In most cases, the repairs must be completed prior to closing. Repairs to plumbing or electrical systems must be done by licensed individuals. Also, the lender will require an inspection to make sure that the repairs were actually completed. All of the items in the contract must be completed before the lender will fund the loan in order to prevent imperfections in the lien, which would mean that they can not sell the note on the secondary market.
Use the special provisions section wisely or else the lender might force you to get it revised.
Please visit www.danfrankrealty.com
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