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	<title>Comments for NAHREP Blog</title>
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	<link>http://nahrep.org/blog/</link>
	<description>The offical blog of The National Association of Hispanic Real Estate Professionals</description>
	<lastBuildDate>Thu, 29 Jul 2010 13:10:39 +0000</lastBuildDate>
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		<title>Comment on It&#8217;s Time To Stand Up To Predators! by Alma Rucker</title>
		<link>http://nahrep.org/blog//2010/07/28/its-time-to-stand-up-to-predators/comment-page-1/#comment-389</link>
		<dc:creator>Alma Rucker</dc:creator>
		<pubDate>Thu, 29 Jul 2010 13:10:39 +0000</pubDate>
		<guid isPermaLink="false">http://nahrep.org/blog/?p=160#comment-389</guid>
		<description>Thank you Alex for brining this story to light! And exposing and reporting those that prey on trusting good people.  We must never look the other way, and when we see an injustice it is our moral obligation to act.  If we do not act, then we just perpetuate the injustice.  As the voice for Hispanic Real Estate we must ensure we educate our community.  My Mother always told me if I save a dollar here and a dollar there; pretty soon, I’d have a hundred dollars, to use this analogy, if we help one person here and one there, pretty soon we will help 100 people. Each of us one by one can educate others one by one.  NAHREP is 17,000 members strong; imagine what kind a difference we can make.  Educating our community is the first step and NAHREP must take a leading role.  As for San Antonio, TX, we will be organizing a consumer educational workshop where Foreclosure Prevention and Sustainable Hispanic Homeownership are the two key messages we will be brining to our Community.  Let’s all play a leading role in educating our community.</description>
		<content:encoded><![CDATA[<p>Thank you Alex for brining this story to light! And exposing and reporting those that prey on trusting good people.  We must never look the other way, and when we see an injustice it is our moral obligation to act.  If we do not act, then we just perpetuate the injustice.  As the voice for Hispanic Real Estate we must ensure we educate our community.  My Mother always told me if I save a dollar here and a dollar there; pretty soon, I’d have a hundred dollars, to use this analogy, if we help one person here and one there, pretty soon we will help 100 people. Each of us one by one can educate others one by one.  NAHREP is 17,000 members strong; imagine what kind a difference we can make.  Educating our community is the first step and NAHREP must take a leading role.  As for San Antonio, TX, we will be organizing a consumer educational workshop where Foreclosure Prevention and Sustainable Hispanic Homeownership are the two key messages we will be brining to our Community.  Let’s all play a leading role in educating our community.</p>
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		<title>Comment on It&#8217;s Time To Stand Up To Predators! by Yamila M. Ayad</title>
		<link>http://nahrep.org/blog//2010/07/28/its-time-to-stand-up-to-predators/comment-page-1/#comment-383</link>
		<dc:creator>Yamila M. Ayad</dc:creator>
		<pubDate>Thu, 29 Jul 2010 01:16:45 +0000</pubDate>
		<guid isPermaLink="false">http://nahrep.org/blog/?p=160#comment-383</guid>
		<description>Great but unfortunate story, Alex. Even sadder is how these type of situations seem to manifest themselves throughout the country. We&#039;ve gone from sub-prime predators to loan-modifier/loss-mitigation/loan auditors, now preying on homeowners on the brink of losing their dream.  Vultures would actually be a better description of &quot;Latinos who eat their own.&quot; 
As others have already stated, it takes all of us to be diligent and watchful of our community. We cannot look the other way and then pretend that we care about the outcome.
The education of both our industry and our homeowner community is the key to change!  
Yamila M. Ayad</description>
		<content:encoded><![CDATA[<p>Great but unfortunate story, Alex. Even sadder is how these type of situations seem to manifest themselves throughout the country. We&#8217;ve gone from sub-prime predators to loan-modifier/loss-mitigation/loan auditors, now preying on homeowners on the brink of losing their dream.  Vultures would actually be a better description of &#8220;Latinos who eat their own.&#8221;<br />
As others have already stated, it takes all of us to be diligent and watchful of our community. We cannot look the other way and then pretend that we care about the outcome.<br />
The education of both our industry and our homeowner community is the key to change!<br />
Yamila M. Ayad</p>
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		<title>Comment on The Role of Hispanic Real Estate Professionals in the Recovery Era by Delia Jimenez</title>
		<link>http://nahrep.org/blog//2010/01/03/the-role-of-hispanic-real-estate-professionals-in-the-recovery-era/comment-page-1/#comment-379</link>
		<dc:creator>Delia Jimenez</dc:creator>
		<pubDate>Wed, 28 Jul 2010 21:50:20 +0000</pubDate>
		<guid isPermaLink="false">http://nahrep.mg/blog/?p=1#comment-379</guid>
		<description>I strongly agree.  There is nothing more shameful to me, that when I hear of a latino taking advantage or misguiding another latino just to make a commission.  We have the ability to empower our latino community by serving them with professionalism and at the same time we empower ourselves.  When you have your clients best interest in mind in a transaction, you will always have repeat and referral business.</description>
		<content:encoded><![CDATA[<p>I strongly agree.  There is nothing more shameful to me, that when I hear of a latino taking advantage or misguiding another latino just to make a commission.  We have the ability to empower our latino community by serving them with professionalism and at the same time we empower ourselves.  When you have your clients best interest in mind in a transaction, you will always have repeat and referral business.</p>
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		<title>Comment on It&#8217;s Time To Stand Up To Predators! by gloria soria</title>
		<link>http://nahrep.org/blog//2010/07/28/its-time-to-stand-up-to-predators/comment-page-1/#comment-378</link>
		<dc:creator>gloria soria</dc:creator>
		<pubDate>Wed, 28 Jul 2010 21:27:50 +0000</pubDate>
		<guid isPermaLink="false">http://nahrep.org/blog/?p=160#comment-378</guid>
		<description>I am agreed  with you. I hate when I know Spanish real estate Agents or loan Officcer works againts their own community.
I am doing my best to educAte people to avoid this kind of situation of reports, articles. and  talking with them. 
Gloria soria
Century 21 laffey associates NY</description>
		<content:encoded><![CDATA[<p>I am agreed  with you. I hate when I know Spanish real estate Agents or loan Officcer works againts their own community.<br />
I am doing my best to educAte people to avoid this kind of situation of reports, articles. and  talking with them.<br />
Gloria soria<br />
Century 21 laffey associates NY</p>
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		<title>Comment on It&#8217;s Time To Stand Up To Predators! by Olivia Pineda</title>
		<link>http://nahrep.org/blog//2010/07/28/its-time-to-stand-up-to-predators/comment-page-1/#comment-377</link>
		<dc:creator>Olivia Pineda</dc:creator>
		<pubDate>Wed, 28 Jul 2010 21:23:51 +0000</pubDate>
		<guid isPermaLink="false">http://nahrep.org/blog/?p=160#comment-377</guid>
		<description>Just read your blog &quot;It&#039;s Time To Stand Up To Predators!&quot; As a REO Agent myself, I am seeing the same issues here in Arizona. Community awareness &amp; education is vital in preventing these type of unethical acts. It would be great to see all the NAHREP Chapters do a national community awareness campaign.</description>
		<content:encoded><![CDATA[<p>Just read your blog &#8220;It&#8217;s Time To Stand Up To Predators!&#8221; As a REO Agent myself, I am seeing the same issues here in Arizona. Community awareness &amp; education is vital in preventing these type of unethical acts. It would be great to see all the NAHREP Chapters do a national community awareness campaign.</p>
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		<title>Comment on It&#8217;s Time To Stand Up To Predators! by Kay Wilson-Bolton</title>
		<link>http://nahrep.org/blog//2010/07/28/its-time-to-stand-up-to-predators/comment-page-1/#comment-367</link>
		<dc:creator>Kay Wilson-Bolton</dc:creator>
		<pubDate>Wed, 28 Jul 2010 15:19:52 +0000</pubDate>
		<guid isPermaLink="false">http://nahrep.org/blog/?p=160#comment-367</guid>
		<description>These practice characteristics started in California in 2000. NAHREP Ventura County was formed originally as a backlach against those who began identifying predators. Fortunately, this group of talented professionals now leads the charge against them.  Our board of supervisors instituted a $2 surcharge  for every deed recorded in Ventura County to build a fund to investigate and prosecute. 

The Real Estate Fraud and Advisory Team now acts as the watchdog for fragile consumers.  http://da.countyofventura.org/refraud_unit.htm

See your local supervisors or leadership will consider such a charge. It helps everyone.</description>
		<content:encoded><![CDATA[<p>These practice characteristics started in California in 2000. NAHREP Ventura County was formed originally as a backlach against those who began identifying predators. Fortunately, this group of talented professionals now leads the charge against them.  Our board of supervisors instituted a $2 surcharge  for every deed recorded in Ventura County to build a fund to investigate and prosecute. </p>
<p>The Real Estate Fraud and Advisory Team now acts as the watchdog for fragile consumers.  <a href="http://da.countyofventura.org/refraud_unit.htm" rel="nofollow">http://da.countyofventura.org/refraud_unit.htm</a></p>
<p>See your local supervisors or leadership will consider such a charge. It helps everyone.</p>
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		<title>Comment on NAHREP Members: You don&#8217;t want Arizona&#8217;s climate of hate in your town! by lili</title>
		<link>http://nahrep.org/blog//2010/07/13/nahrep-members-you-dont-want-arizonas-climate-of-hate-in-your-town/comment-page-1/#comment-295</link>
		<dc:creator>lili</dc:creator>
		<pubDate>Fri, 23 Jul 2010 00:48:12 +0000</pubDate>
		<guid isPermaLink="false">http://nahrep.org/blog/?p=148#comment-295</guid>
		<description>It’s time to bring to the floor the proposal of President Barack Obama to reform the immigration law.  Politics need to stop and senators must now act and do what’s good for the economy and welfare of our country.   I especially call on Senator Lindsay Graham to join forces with democrats and work in a bipartisan way to see this human tragedy resolved.  Our  President has presented his plan, senators need to act before change can happen.  Call your senators NOW!</description>
		<content:encoded><![CDATA[<p>It’s time to bring to the floor the proposal of President Barack Obama to reform the immigration law.  Politics need to stop and senators must now act and do what’s good for the economy and welfare of our country.   I especially call on Senator Lindsay Graham to join forces with democrats and work in a bipartisan way to see this human tragedy resolved.  Our  President has presented his plan, senators need to act before change can happen.  Call your senators NOW!</p>
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		<title>Comment on NAHREP Members: You don&#8217;t want Arizona&#8217;s climate of hate in your town! by Gail</title>
		<link>http://nahrep.org/blog//2010/07/13/nahrep-members-you-dont-want-arizonas-climate-of-hate-in-your-town/comment-page-1/#comment-269</link>
		<dc:creator>Gail</dc:creator>
		<pubDate>Sat, 17 Jul 2010 23:49:03 +0000</pubDate>
		<guid isPermaLink="false">http://nahrep.org/blog/?p=148#comment-269</guid>
		<description>I appreciate all the feedback. No one denies we need to address our immigration situation. But, please try not to confuse law and racism. I was asked to speak to a group of Hispanic parishioners next week. Some documented, some not. All of them brown. All of them scared. Wake up...</description>
		<content:encoded><![CDATA[<p>I appreciate all the feedback. No one denies we need to address our immigration situation. But, please try not to confuse law and racism. I was asked to speak to a group of Hispanic parishioners next week. Some documented, some not. All of them brown. All of them scared. Wake up&#8230;</p>
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		<title>Comment on NAHREP Members: You don&#8217;t want Arizona&#8217;s climate of hate in your town! by Sue Adams</title>
		<link>http://nahrep.org/blog//2010/07/13/nahrep-members-you-dont-want-arizonas-climate-of-hate-in-your-town/comment-page-1/#comment-266</link>
		<dc:creator>Sue Adams</dc:creator>
		<pubDate>Sat, 17 Jul 2010 18:22:02 +0000</pubDate>
		<guid isPermaLink="false">http://nahrep.org/blog/?p=148#comment-266</guid>
		<description>I am very white of European decent; some of my great, great grandparents were born in this county well before the Civil War. In this state I will not be detained for my appearance or language skills. I loathe the political opportunism of SB1070 and the narrow minds who fail to grasp how they are being manipulated and distracted from reality.

First and foremost, why isn’t all this hatred directed toward those who have employed illegals for their own financial gain? People are here because “white people” pay them. Every single person on this post has enjoyed a wide variety of cheap products and services ranging from fresh produce to car washes to landscaping care to trade work to housekeeping services and more. Why don’t you all hate yourselves for being unwilling to pay union scale for what you want?

Even though actual facts do not matter to many people in this discussion there are undeniable truths conveniently overlooked or distorted.

According to US government data since 1983, more than $500 billion in uncredited Social Security wages have been earned by so-called &quot;no match&quot; employees – or those employees’ where names and numbers don&#039;t match. When that happens, no one gets credit for the taxes paid by the worker. REPEAT: $500 billion dollars contributed by those people you want to run out of the United States who are working hard for better life.

PERCEPTION VS. REALITY 

This information from the Morrison Institute for Public Policy at Arizona State University that does not advocate a position on immigration issues released a paper on the perceptions and realities of immigration. The report notes 9 common assertions - and whether they are solid, not provable or false. 

1) Virtually all Arizonans consider undocumented immigration a threat. REALITY: 70 percent of Arizonans supported a law to authorize police to stop and verify the immigration status of anybody suspected of being an illegal immigrant, according to an April Rasmussen poll. At the same time, 57 percent favored a policy welcoming all immigrants except criminals, those who threaten national security or those here for welfare benefits.

2) Most violent crime is committed by undocumented immigrants. REALITY: That sentiment doesn&#039;t separate types of crime, such as drug cartel violence in Mexico, crime by drug smugglers against their rivals and general crime. Arizona&#039;s crime levels have declined or been level for years. From 1999 to 2006, states with high numbers of immigrants like Arizona saw crime drop more than the national average.

3) Undocumented immigrants are entering Arizona in record numbers. REALITY: The flow peaked about a decade ago. It has slowed or even stopped since the economic decline. The Department of Homeland Security estimated 460,000 undocumented immigrants in Arizona in 2009.

4) Undocumented immigrants are a drain on the economy. REALITY: They contribute sales tax dollars and billions of dollars annually in federal payroll taxes by workers who are ineligible to collect the benefits. They provide cheap labor that reduces costs. However, they hold mostly low-wage jobs, rely heavily on public services and send money to their home nation. It&#039;s probably impossible to calculate the net economic effect in a way both sides would find conclusive.

5) Arizona&#039;s prisons are bursting with undocumented immigrants. REALITY: The Department of Corrections reports 15 percent of inmates are &quot;criminal aliens.&quot; About 19 percent of inmates are undocumented in the Maricopa County Jail system.

6) Stiffer laws and tougher border enforcement will rid Arizona of undocumented immigrants. REALITY: This has begun, with illegal crossers falling from 600,000 in 2000 to 241,000 in 2009. It&#039;s doubtful most undocumented families would leave because they&#039;ve been welcomed over the past decade for their labor and have established their lives here with children who were born as U.S. citizens.

7) Undocumented immigrants flood the public health system. REALITY: Undocumented immigrants have been ineligible for the AHCCCS health care plan for the poor since 2004. But by law, hospitals must treat everybody in an emergency room, which is partially reimbursed by the federal government. Arizona hospitals report losing $24 million a year for treating undocumented patients. That sum is 6 percent of the $392 million lost a year for treatment of all under insured or uninsured patients. Some studies show undocumented immigrants use emergency rooms less than native-born people.

8) Undocumented immigrants take jobs from native-born Americans and depress wages. REALITY: Undocumented immigrants are overrepresented in the low-skilled workforce because the native population is aging. The upcoming wave of Baby Boomer retirements will likely make immigrants the only source of growth among workers 25 to 55 for decades to come. However, low-wage natives are hurt because immigrants push down wages and create competition for those jobs. Low-wage immigrants also pay low tax rates.

9) The influx of children of undocumented immigrants is overwhelming public schools. REALITY: That number is not counted in Arizona. Sen. Russell Pearce, R-Mesa, pushed a bill to count them but the measure got stalled. Federal law prevents schools from denying education to illegal immigrants. Several foundations calculate 11.9 million undocumented immigrants in the U.S., with 1.5 million undocumented children. About 3.5 million children of illegal immigrants are citizens or here legally. Of Arizona&#039;s 1 million school children, 150,000 are in English Language Learner programs.


In summary, please, wise up before this nation is overrun by people who really do not embrace the best our founding principles that so many have given their lives for us to enjoy. Indeed, a nation divided against itself will not stand.</description>
		<content:encoded><![CDATA[<p>I am very white of European decent; some of my great, great grandparents were born in this county well before the Civil War. In this state I will not be detained for my appearance or language skills. I loathe the political opportunism of SB1070 and the narrow minds who fail to grasp how they are being manipulated and distracted from reality.</p>
<p>First and foremost, why isn’t all this hatred directed toward those who have employed illegals for their own financial gain? People are here because “white people” pay them. Every single person on this post has enjoyed a wide variety of cheap products and services ranging from fresh produce to car washes to landscaping care to trade work to housekeeping services and more. Why don’t you all hate yourselves for being unwilling to pay union scale for what you want?</p>
<p>Even though actual facts do not matter to many people in this discussion there are undeniable truths conveniently overlooked or distorted.</p>
<p>According to US government data since 1983, more than $500 billion in uncredited Social Security wages have been earned by so-called &#8220;no match&#8221; employees – or those employees’ where names and numbers don&#8217;t match. When that happens, no one gets credit for the taxes paid by the worker. REPEAT: $500 billion dollars contributed by those people you want to run out of the United States who are working hard for better life.</p>
<p>PERCEPTION VS. REALITY </p>
<p>This information from the Morrison Institute for Public Policy at Arizona State University that does not advocate a position on immigration issues released a paper on the perceptions and realities of immigration. The report notes 9 common assertions &#8211; and whether they are solid, not provable or false. </p>
<p>1) Virtually all Arizonans consider undocumented immigration a threat. REALITY: 70 percent of Arizonans supported a law to authorize police to stop and verify the immigration status of anybody suspected of being an illegal immigrant, according to an April Rasmussen poll. At the same time, 57 percent favored a policy welcoming all immigrants except criminals, those who threaten national security or those here for welfare benefits.</p>
<p>2) Most violent crime is committed by undocumented immigrants. REALITY: That sentiment doesn&#8217;t separate types of crime, such as drug cartel violence in Mexico, crime by drug smugglers against their rivals and general crime. Arizona&#8217;s crime levels have declined or been level for years. From 1999 to 2006, states with high numbers of immigrants like Arizona saw crime drop more than the national average.</p>
<p>3) Undocumented immigrants are entering Arizona in record numbers. REALITY: The flow peaked about a decade ago. It has slowed or even stopped since the economic decline. The Department of Homeland Security estimated 460,000 undocumented immigrants in Arizona in 2009.</p>
<p>4) Undocumented immigrants are a drain on the economy. REALITY: They contribute sales tax dollars and billions of dollars annually in federal payroll taxes by workers who are ineligible to collect the benefits. They provide cheap labor that reduces costs. However, they hold mostly low-wage jobs, rely heavily on public services and send money to their home nation. It&#8217;s probably impossible to calculate the net economic effect in a way both sides would find conclusive.</p>
<p>5) Arizona&#8217;s prisons are bursting with undocumented immigrants. REALITY: The Department of Corrections reports 15 percent of inmates are &#8220;criminal aliens.&#8221; About 19 percent of inmates are undocumented in the Maricopa County Jail system.</p>
<p>6) Stiffer laws and tougher border enforcement will rid Arizona of undocumented immigrants. REALITY: This has begun, with illegal crossers falling from 600,000 in 2000 to 241,000 in 2009. It&#8217;s doubtful most undocumented families would leave because they&#8217;ve been welcomed over the past decade for their labor and have established their lives here with children who were born as U.S. citizens.</p>
<p>7) Undocumented immigrants flood the public health system. REALITY: Undocumented immigrants have been ineligible for the AHCCCS health care plan for the poor since 2004. But by law, hospitals must treat everybody in an emergency room, which is partially reimbursed by the federal government. Arizona hospitals report losing $24 million a year for treating undocumented patients. That sum is 6 percent of the $392 million lost a year for treatment of all under insured or uninsured patients. Some studies show undocumented immigrants use emergency rooms less than native-born people.</p>
<p> <img src='http://nahrep.org/blog//wp-includes/images/smilies/icon_cool.gif' alt='8)' class='wp-smiley' /> Undocumented immigrants take jobs from native-born Americans and depress wages. REALITY: Undocumented immigrants are overrepresented in the low-skilled workforce because the native population is aging. The upcoming wave of Baby Boomer retirements will likely make immigrants the only source of growth among workers 25 to 55 for decades to come. However, low-wage natives are hurt because immigrants push down wages and create competition for those jobs. Low-wage immigrants also pay low tax rates.</p>
<p>9) The influx of children of undocumented immigrants is overwhelming public schools. REALITY: That number is not counted in Arizona. Sen. Russell Pearce, R-Mesa, pushed a bill to count them but the measure got stalled. Federal law prevents schools from denying education to illegal immigrants. Several foundations calculate 11.9 million undocumented immigrants in the U.S., with 1.5 million undocumented children. About 3.5 million children of illegal immigrants are citizens or here legally. Of Arizona&#8217;s 1 million school children, 150,000 are in English Language Learner programs.</p>
<p>In summary, please, wise up before this nation is overrun by people who really do not embrace the best our founding principles that so many have given their lives for us to enjoy. Indeed, a nation divided against itself will not stand.</p>
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		<title>Comment on NAHREP Members: You don&#8217;t want Arizona&#8217;s climate of hate in your town! by MCCAIN</title>
		<link>http://nahrep.org/blog//2010/07/13/nahrep-members-you-dont-want-arizonas-climate-of-hate-in-your-town/comment-page-1/#comment-264</link>
		<dc:creator>MCCAIN</dc:creator>
		<pubDate>Sat, 17 Jul 2010 00:39:05 +0000</pubDate>
		<guid isPermaLink="false">http://nahrep.org/blog/?p=148#comment-264</guid>
		<description>Response to #15:
Here&#039;s Badshah  point:
1. If you&#039;re going to argue something, spell it correctly.
2. The whole history lesson is to prove, that Jewish Argentinians are not minority BUT MAJORITY. Therefore the SB1070 bill will not affect them.(also, their skin color is not &quot;brown&quot;.
3. We are all illegals! (you&#039;re right) The whole deal about terrorists etc. can be solved.  BUT THIS IS NOT THE CORRECT SOLUTION</description>
		<content:encoded><![CDATA[<p>Response to #15:<br />
Here&#8217;s Badshah  point:<br />
1. If you&#8217;re going to argue something, spell it correctly.<br />
2. The whole history lesson is to prove, that Jewish Argentinians are not minority BUT MAJORITY. Therefore the SB1070 bill will not affect them.(also, their skin color is not &#8220;brown&#8221;.<br />
3. We are all illegals! (you&#8217;re right) The whole deal about terrorists etc. can be solved.  BUT THIS IS NOT THE CORRECT SOLUTION</p>
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