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NAR is NOT listening, State Realtor Associations is NOT Listening,
Law Makers - Attorneys - Judges are Not Listening..
State Real Estate Boards Are NOT Listening...

Title Companies, Lawyers, Good Realtors ...
Can DO Nothing.. so Email ME
Crystal L. Cox Real Estate Whistleblower
and Get your Story Heard...
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Crystal@CrystalCox.com

NAR - the Ultimate Wolf in Sheeps Clothing

NAR - the Ultimate Wolf in Sheeps Clothing
Time to Hold NAR Accountable
to Those Code of Ethics
that are Simply Gibberish
they make Newbies Swear to
But have No Intention
or System in Place to
Make this REALLY Happen.

Time For the Truth About
the National Association of Realtors.

the National Association of Realtors is a Hoax.

NAR is NOT of a "Higher Standard" as they Claim to Be.

NAR does not Provide Consumer Protection in ANY way.

The National Association of Realtors NEEDS

you to REALLY buy into the Illusion that they
are the "Voice of Real Estate"
that way you will Simply not know that you can use
a Real Estate Broker that is NOT Part of the
Real Estate Cartel known as
National Association of Realtors.

And You Believe that an NAR Member Offers you
More Protection in your Real Estate Transaction
When In Fact that is a Flat Out Lie.

NAR is so Engrained in your Life that ALL of you Use
the Word "Realtor" for the WordS "Real Estate Agent"
though NAR tells me that is Illegal. Law Books Do it, you Do it
But NAR wants to STOP me from Doing it.

The National Association of Realtors
Violates Anti-Trust Laws, Violates Mortgage Laws,
Violates RESPA Laws, they pay Attorneys to
Advise members at the State Association Level
that is Information Biased on What NAR Needs
to be the Course of Action, to Keep NAR in Business.

Even to the Point of Convincing Members they
are doing something Illegal when they try and
benefit the Real Estate Consumer.

NAR Pushes State Real Estate Governing Agencies
to Make E and O insurance Mandated -
when in FACT this E and O insurance is What Enables
the Realtor to Legally Committ Fraud and
there is nothing you Can do unless you have
BIG Money and a WHOLE lot of Years to Fight.

The National Association of Realtor IS NOT the
Voice Of Real Estate. NO WAY.


Paul Henderson Lacey Washington

Realtors think I a write this stuff because I suck at Real Estate, I mean in their minds what possibly could be the motive if not that I just can’t make it as a Realtor? Well folks, it is that I have a conscious, I have studied a whole lot of legal cases, seen Associations of Realtors stand for the Realtor over the consumer even in the face of, without a doubt proof. I have read real estate law books though Paul Henderson alludes to the fact that I “ain’t got no learnin”. I speak the truth from my experience as a Realtor, as a Real Estate Broker Owner. Not a Franchise puppet but an owner of my own company, believe me I know what I am talking about and if I don’t dress in a way you recogonize as truth then so be. Is 1 and 1 only equal to 2 if I dress in a suit or use “proper grammar”?

Paul Henderson slams the FSBO in this little ditty as well, lets take a closer look at Paul Henderson’s comments which this woman, as Paul Henderson -, Realtor calls me, this woman who ain’t got no learnin’ is going to immortalize on the internet and market better then Paul Henderson will market any of your real estate listings.

Paul Henderson’ slam is in Blue and My Comments are in Black. We shall soon move down the list to all Realtors who think they get what I am doing and have chimed in here with Paul Henderson . And I will Comment on what nice words they have to say about me in a later post.

Here is the Rant

And I'm the Slime Ball!
I was talking to a FSBO, (for sale by owner) (gee I think we know what a FSBO is but thanks for explaining to those of us who “ain’t got no learning.) who was wondering why Realtors were such Slime balls. It was nice that they dropped by my listing to ask. I asked why am I a slime ball, I had never even talked to this woman before. She said that her friend had showed her this YouTube video and then she had gone to this broker's website.

http://www.youtube.com/watch?v=z4BoLOiTZ_o

I told this woman that if she believed everything that appears on the internet, why is your house still for sale?

So he slammed the FSBO because their house is still on the market.

It's because Realtors are restricting the market and making their houses so much more appealing to the public (I call it advertising.)

Maybe the FSBO did not word it correctly or you with all your “learning” did not write the conversation correctly, SHE is absolutely right about Realtors restricting the market. Realtors are not needed but force themselves into the sale for a living. Keeping Banks out of Real Estate, such as the Topic of the Video, is one of those ways.

Slamming this FSBO woman is a sure sign of Paul Henderson’s character and a sign of how Paul Henderson of Lacey Washington would treat this woman if she did list with him.

And what Paul Henderson calls “advertising” is of no use to you. If Paul’s FSBO is reading this email me at Crystal@CrystalCox.com and I will give you FREE marketing and marketing tips, you will be on top of the Super Paul Henderson’s Washington real estate market soon.

This woman claimed that Realtors had stolen all her for sale signs she had posted on the street corners directing people to her house. How did she know it was a Realtor that had stolen her signs?

Hey FSBO, I believe it, I have seen it happen, take a Video of the Realtor doing this, and email it to me at Crystal@CrystalCox.com , I guarantee your story immediate and strong internet presence for the name and the company that is doing this to you, prove it and I will Expose it.

She said because who else would do it? I pointed out, if her house was located within the city limits of certain towns that sign ordinances were in place and the public works department collected signs that were out of compliance.

This Does Happen, however there is a nicer way to talk to people Mr. Paul Henderson.

I don't want to drive more traffic to this woman on YouTube or her website but if you want to see some true propaganda look her up.


Yes “true propaganda” I am telling the truth, I charged this to keep Realtors out, I have since decided to go ahead and let the Realtors attack me, it happens with or without my real estate industry whistleblower blog so …

If you want to subscribe, for $75 per year, you can learn all sorts of information about our industry. I also included her blog, for all the dirt. (I've seen shorter infomercials!)

Again the Blog is Free, and So is Real Estate Marketing for the FSBO, You Do NOT need a Realtor, NAR member to sell your real estate. There is Not One Reason to use a Realtor to market your home. Selling without a Realtor has stronger marketing power online, less drama, less humiliaton, more protection and more money.

then Paul Henderson points the Realtors to my Sites for the Attack.

http://www.savvybroker.com/

Blog
http://www.realestateindustrywhistleblower.com/

I hated to break off this debate but I was waiting for my clients and really didn't want this person dragging my clients off with her tales of fantasy.

No, we can’t have you clients knowing the truth, that is bad for business.

I did ask her, if I brought her a qualified buyer, what she was offering in the way of commission. She replied "Screw You!"

This was bold and twisted of you, slam her (the FSBO) then want her to pay you to sell her real estate. Low Down, Disgraceful, UnEthical, and immorral at best.

I declined!

Is this a Sexual Connotation Paul Henderson ?. You Paul Henderson are Slime, as your FSBO attacker called you, putting sex into the mix at the end of this rant really wraps up what Paul Henderson is all about.

(I am not affiliated with the before mentioned websites or wish to be in anyway)

Well Paul Henderson now that you have Called Me Out, you are affiliated with me forever.

Authored by Paul S. Henderson, Realtor, RE/MAX Professionals, Lacey, WA.

Signed
This Woman…


Paul Henderson also says this about me “...Aint she got no learning. I believe she spoke of having only one week of education total, a kindergarten drop out…’

It takes one week to be a Real Estate Agent, at this point the Real Estate Consumer Believes that the Real Estate Agent knows more then they actually do. Real Estate School teaches us how to take the real estate test. Some Real Estate Agents take longer courses and some get those fancy titles such as GRI ( which is worthless.. More on that later).
r
But for the most part, one week of real estate school is all it takes. The educated public surely did not think that me saying “one week” of school meant kindergarten. I mean is Paul Henderson suggesting that we can count Grade School and High School as part of our Real Estate Education? I guess so, I mean you only have to be a High School Graduate or have taken your GED to qualify for that “one week” it takes to be a Real Estate Agent, Realtor.

So Paul Henderson has called me out in a battle of wits, though he is seemingly unarmed, and so we shall see what happens next…

I tell the truth, I know what I am talking about, I have seen it first hand, I can prove it and Paul Henderson, Realtor of the Lacey Washington Real Estate Market is flat out lying and throwing slanderous demeaning remarks my way to somehow defend how he treated a FSBO that was asking him questions. Paul Henderson is not an honorable man, and Paul Henderson has started a Cyber War with the Real Estate Industry Whistleblower.

Watch out for Paul Henderson, Washington Realtor. He talks this way to a FSBO, he is arrogant, he slams my education level, slams me and it sound like your only worth of tolerance if you list with him, otherwise he will talk down to you. If you list with him, it will most likely be behind your back instead.

Paul Henderson wants you to NOT Believe me because I have Grammar Errors and I don’t dress like I know what I am talking about.

This should be a major red flag to ALL real estate consumers, a Suit Does not mean your more knowledgable or can provide more protection to the real estate consumer.

Whether I dress formal or casual the message is the same. Examine all this folks, you can see here what Paul Henderson thinks of himself, his fancy suits and apparently feels he knows more then me and can therefore slam me with this disgraceful remark “Aint she got no learning.” This is a Realtor, this is who you are letting into your homes, if he will talk this way to me and to the FSBO in this Post then he will treat you this way, if not in front of you then behind your back.

Find Out the Truth For Yourself Folks
Knowledge is Power.

Read more...

Paul Henderson, Realtor - Lacey Washington Real Estate

The Realtors have finally arrived, 4 years later and the Realtors are finding my sites and the are ready to defend their industry. It's about time that Realtors such as Paul Henderson of Lacey Washington start to attack me, I mean the Truth Will not Be Tolerated in the Real Estate Industry and now that the Realtors are here to let you know How Stupid I am, we are going to let you know more about those Realtors who do step out directly against the Real Estate Consumer.


and take a look at Paul S. Henderson, Realtor, RE/MAX Professionals, Lacey, WA and the wonderful grammar, the slams, the suits, and the wit and wisdom of the Realtors coming to the defense of their industry.

Have any experiences to share about Paul Henderson of the Washington Real Estate market. Paul S. Henderson, Realtor, RE/MAX Professionals, Lacey, WA is a man who will slam you if you don't "look the part" or speak the "proper" grammar.

Paul Henderson is slamming the FSBO aka the Real Estate Consumer. Stay Tuned for a whole lot more about Paul Henderson of the Lacey Real Estate Market.

Paul Henderson has attacked your Real Estate Industry Whistleblower

Crystal L. Cox
Broker Owner
Non-Franchise
Non-Realtor
Real Estate Whistleblower
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Note to Paul Henderson - Realtor Post
30 minutes
and one, the only one that I tried, ONE of my sites and I am on top of the search engine for Paul Henderson Realtor. Boy my kindergarden sites sure do out do Realtors such as Paul Henderson in internet marketing and in 30 minutes... WoW.. Realtor or Internet Marketing.. a FSBO has a Very Tough Decision.
r
Paul Henderson, Realtor want you, the Real Estate Consumer to think that I am stupid, that my sites are not professional, I am in Kindergarten or Second Grade as Paul Henderson's site says about me, yet Realtor Extraordinaire, with all his good grammar, and his fancy suit does not have a clue how to market you, he cannot even market himself.
r
After 30 minutes ONE of my websites come up higher then ANY website he has promoted Paul Henderson, Realtor. So, when they, the Realtors tell you how stupid I am, find out for yourself. Because I am ALL about Consumer Protection in Real Estate and there is NONE.
r

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Buyer Bonuses in the News.. NAR at it again- Fraud - Deception - you Bet

Buyers Bonuses for Realtor are VERY Bad. The Realtor Get Paid enough already, and to give more incentive, this is VERY wrong. Where are the Real Estate Consumers Rights in all this? You have NONE. Below the REALTOR article on this Topic is in BLUE and my Rant on the nonsense and anti-consumer National Association of Realtor is in BLACK.


Bonus pay
Some home sellers sweetening the pay to buyer's agent -- is it worth it?

By Amy Hoak, MarketWatch

First of all Buyers agent commission is factor in to the SOLD data and helps to Create a False Market. Buyers Agent Bonuses SHOULD be Illegal. Buyers Agent do steer clients to properties that pay them the most. I don't care what NAR wants you to believe about the real estate consumer deciding for themselves, quite often the Real Estate Consumer does not even know that the Realtor is pulling the strings, but they are.

These days, a real-estate agent's paycheck doesn't necessarily stop at a cut of the commission.

These Day.. what is that suppose to mean, Buyers Agent bonuses have been around for a long time, they are not new, they are often times VERY large and on top of commissions and the are WRONG in every sense.

In markets with a glut of homes for sale -- and there are many of them -- sellers are in fierce competition, each hoping to lure buyers to their properties for a showing. Some of them are making appeals to the pocketbooks of agents working with the buyers. And the buyer might never know about that added bonus.

The Buyer is NEVER told about these Bonuses, and they should be, this kind of non-disclosure is deceitful and you, the Real Estate Conumer Pays. Direct "appeals" to the pockets of real estate agents will take precendent over what is best for the consumer most EVERY time.

"With the market shifting from a seller's market to much more of a buyer's market, those incentives are increasing," said Leslie Tyler, vice president of marketing for ZipRealty, a real-estate brokerage headquartered in Emeryville, Calif. "When you're selling a home, there's a number of different levers you can pull to move your house quicker. You can change the price, you can offer an incentive to an agent, you can paint the front door."

Realtor Incentives on top of outrageous commissions, not only affect the SOLD data and the market as a whole, but are unscrupulous attacks on the real estate consumer.

Mentions of cash bonuses, gift cards and other incentives are attached to some listings -- information that real-estate agents can see through professional listing services but that buyers don't have access to through printouts or Web sites. Builders are especially fond of offering extras, sometimes sending out emails to brokerages about them, said Noah Freedman, a principal with the brokerage firm Bond New York Real Estate.

One builder, for example, recently offered a $5,000 American Express gift card to agents in exchange for a buyer who signed a contract on a Long Island City, N.Y., condominium, Freedman said. During the last year, the agent who brought in a buyer for a penthouse in a financial district building in New York City was promised a fully paid lease on a BMW for a set period of time, he added.

Is this included in the SOLD data, is this disclosed to a buyer.. no way.

The main advantage of these incentives: They often catch the eyes of real-estate agents, attracting attention to one property in a sea of available homes, Freedman said.
Whether they have that much of an influence on the eventual sale, however, isn't as clear.
"At the end of the day, you can't make someone buy something because you're going to get an AmEx card," Freedman said.


YOU BET they influence a sale. Do not doubt that for one second. And yes, a Realtor can make someone buy. You would be shocked at the minipulating power of some Realtors. And with Extra incentive, those properties will definately move fast and first and this SHOULD be illegal and should be investigated by the Department of Justice.

Extra Ethics
Real-estate agents have a responsibility to show buyers the homes that best suit their needs, said Michael Thiel, associate counsel for the National Association of Realtors. And while the perks may be nice, "the obligation to the client is primary."

NAR members have a "responsiblity" what a joke, that's like a pinky swear in grade school. Realtors are self governed and Have No accountability. Realtors have to obey Ethics, Laws, and Standards of practice only in theory.. no one makes them. And there is NO real "obligation to the client" Michael Thiel is full of BULL on this one. Buyers are no shown, most of the time what is best for them, but instead what is best for the Realtor.

The incentive could be influential when two similar homes are available -- and one of them offers a little something extra, he said. In a case like that, an agent might show the property with the incentive first. But that could be where the advantage ends.

Wrong, the other one will not be in the running unless the buyer brings it in and then the Realtor will find a way to make the property without the bonus look bad or inferior somehow.

That's because there's also a financial incentive to finding the right fit for a home buyer, Thiel and others pointed out. If agents get greedy and only show homes that would give them a bigger payday, there's a chance that clients won't like any of them. The agent then risks losing the client altogether.

Not True, the real estate consumer are like sheeps to slaughter and they trust that the Realtor, of supposed Higher Standards will do right by them. Agents do not care about risking losing a client, many more will in place behind that one. And odds are the client won't even know what hit them.

In general, agents are not obliged to disclose whether they get bonus compensation on a particular home, Thiel said.

Why NOT Michael Thiel, is it because Realtors don't Really have to Disclose anything that may be of the Real Estate Consumers best interest.

But given the vast amount of information available to buyers via the Internet, it's easy for savvy consumers these days to know what properties are out there -- and decide whether they're being shown all of the homes that fit their needs, said Phyllis Pezenik, vice president of sales and leasing for DJK Residential, a real-estate firm in New York.

Yes, Buyers are getting Internet Savvy, too bad that Realtors who are listing properties are NOT internet savvy. Yes the Internet is exposing the greed and corruption of the Realtors.

"If a buyer becomes aware of another property that is similar or better ... and the agent has not told them about it, that would tend to make them wary of that broker," she said. "If you feel through your own research that you're not being shown all the properties that meet your criteria, that definitely is a buyer's decision to move on."

Bull, the agent will just make an appointment to show them and act like they missed it and the Real Estate Consumer will NOT BE "wary" - they will believe the Realtor.

Before going separate ways, Thiel said it might be wise for buyers to first talk about the concerns with their real-estate agent. But when a client doesn't believe that their agent has his or her best interest at heart, then perhaps it is indeed time for a change in representation.

Realtor cannot ever protect the Real Estate Consumer it is a Fact.

"There are a lot of agents out there who will try and work with them," he said.
As for sellers considering the incentive tactic, try and get a gauge for what other sellers in the area are offering in terms of bonuses and commission share, Tyler said. A seller might ask brokers about perks other sellers are offering.


However, some might decide it's a better move to appeal to the buyer's pocketbook by agreeing to cover closing costs or cutting the sale price instead,

Do NOT use a Realtor, there will be more money for you, the real estate consumer, and less room for corruption if you keep the Realtor out of the deal, all together.

Crystal L. Cox montana
Real Estate Industry Whistleblower


Article Link
http://www.marketwatch.com/news/story/home-sellers-try-sweetening-pot/story.aspx?guid=%7B50ACD89C%2DE126%2D40FE%2D92A5%2D11479EDFA8C8%7D

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Hey, NAR, Sit Down and Shut Up and Get out of Our Banking, you do Enough Damage to the Consumer Right where you are. Attention: NAR, Butt Out.

Hey, NAR, Sit Down and Shut Up and Get out of Our Banking, you do Enough Damage to the Consumer Right where you are. Attention: NAR, Butt Out.
The Latest on The Realtors Stomping their Feet to Get their Way.


Realtors® Recognize Importance of Keeping Big Banks Out of Real Estate

WASHINGTON, February 02, 2009

Allowing large national banks to enter into real estate brokerage and property management could be devastating to the safety and security of the nation’s economy, which is why the National Association of Realtors® has been calling for legislation that would permanently ban banks from entering into real estate transactions.

“We thank Sens. Barbara Boxer, D-Calif., and Richard Burr, R-N.C., for their leadership in introducing legislation to prevent big banks from expanding their business to act as real estate brokers and managers,” said NAR President Charles McMillan.

During the introduction of the Community Choice in Real Estate Act on Friday, Sen. Boxer said, “Permitting banks to engage in commerce could compromise their lending decisions and create conflicts of interest while restricting consumer choice and competition among mortgage lenders.”
Some national banks had petitioned the federal government for the power to own and operate local real estate brokerage or property management companies.

Since 2003 language has been included in annual appropriations bills to temporarily block implementation of these actions. The Community Choice in Real Estate Act would make the prohibition permanent.

“Imagine how much worse the crisis in the financial sector and our overall economy would be if banks had been permitted to enter into commercial activities such as real estate,” Charles McMillan said.

“We hope that Congress will work quickly to close any loopholes and pass laws that maintain the separation of banking and real estate and protect our nation’s economy from unnecessary and avoidable risks.”

NAR needs to Stay Out of Congress, to Stop fighting agains the real estate consumer. The National Association of Realtors fights daily to keep the consumer down and make sure that you Believe you need a Realtor in Your Real Estate Transaction and that Having a Realtor offers more protection, somehow. You do not need a Realtor in Modern Media, Using a Realtor causes more harm then good,
If Banks were in Real Estate and Realtors and Mortgage Brokers were out, it may not be perfect but hey, there would be a whole lot less hands out, and the Banks already know your personal financial business, there is no way around it. I think you would have more privacy if banks were in real estate because the Realtor and the Mortgage Broker would not have so much of your personal information or the ability to drive your credit down.
realtors
Crystal L. Cox
Broker Owner
www.RealEstateIndustryWhistleblower.com
realtor
www.CharlesMcMillan.com

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the National Association of Realtor is NOT the Voice of Real Estate - NAR is the Enemy of the Real Estate Consumer

Where is the Glitch ? Who is the Problem ? Why are Consumers Not Protected from Realtors ? Why are Realtors NOT encouraged to Obey the Law ? Why are No Realtors Held to Ethics or to Standard of Practice.
r


There will Be Many More Messages to the Natioanal Association of Realtors asking them Why They DO NOT enforce Ethics or accountibility or even encourage it.
r

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Mary Newill - Realtor Trademark

Who Owns the Name Realtor, You Cannot Use "Realtor" in place of the word Real Estate Agent. It is Illegal. All you out there who say, I have a Realtor, or so and so is a Realtor, you can't do that. I can't Say Confessions of a Realtor, What ?





my Website / Blog talking about the Realtor "Trademark" issue.

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Whose Job is it to Police the Real Estate Industry ?

Well, NOT the Realtors who Claim to Be the "Voice of Real Estate"

Crystal L. Cox, the Real Estate Industry Whistleblower telling you like it Really is in the Real World of Real Estate.

The Real Estate Industry is BROKEN.
There is No Real Estate Police.
No One has the Balls to Stand up to
the National Association of Realtor
and Say you are mistreating your members.

You Do not stand up for your members
who are of High Moral Fiber,
instead you the National Association of Realtors
stands up for the Realtors at the top
that lied and cheated their way up the ladder
with Total Disregard for the Code of Ethics
and supposed Standards of Practice.


you The National Association of Realtors is Driving the Honest Agents out of Business, by not upholding or enforcing the code of ethics at the local, state, and national association of realtor levels. Guess what you'll end up with ? You Know But you Don' t Care. I am a Real Estate Broker Owner and it CERTAINLY is My Job to Police the Real Estate Industry.

Yet Folks email me often and tell me it is Not My Job.. but No One seems to have the answer of whose Job is Really is To Protect, to Police, to Expose the Real Estate Industry.

real estate fraud, real estate lies, realtors lie, NAR

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Other Sites..

www.CrystalCox.com

www.BrokersZone.com

Real Estate Whistleblower

www.BrokersConsultations.com

SavvyBroker.com

Crystal L. Cox
Real Estate Whistleblower

Consumer Advocate in Real Estate

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