Hunter Paschall Real Estate Articles and Tips

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What are Benefits of Short Sales?


 

When considering short sales many people don't understand the benefits.  Some benefits are obvious, while other benefits are not so obvious.

 

So what are the benefits?

  

First and foremost short sales benefit people in foreclosure. If done properly, and I stress "properly", homeowners benefit from not having a foreclosure on their record. Yes their credit will be damaged in the short term, but a responsible homeowner can overcome this damage in a relatively short period of time. Having a foreclosure on their record will be more devastating in the long term compared to a successful short sale. Helping a family facing foreclosure, so they can essentially start over, is very rewarding.

 

Another benefit is You are contributing with the turnaround of the economy.  Millions of homes are or will be faceing foreclosure. The housing bubble that started in the early 2000s and ended in 2007 massively inflated the true market value of homes. As with all economical bubbles they burst, which is just the marketplace correcting itself to reflect the real value of a product or service. The economy won't fully recover until the housing market clears itself of overpriced houses. With each successful short sale we are one step closer to clearing the market of overvalued houses.

 

You can make money performing short sale transactions. Yes it is legal to help a homeowner short sale their house before they are foreclosed. But you must do it the correct way per the government regulations and lender guidelines. Don't let this scare you, especially when it can be done legally and ethically. There is a correct way and numerous wrong ways to short sale a house, make sure you are doing it the correct way. Once you learn the correct way, your potential to help people and make money is almost unlimited.

 

If any of the following interests you;

  • helping distressed families in foreclosure
  • helping home-buying families get excellent deals on their next home
  • helping turn the economy around
  • earning extra income for you and your family
  • feeling good about all the above

Consider successful short sales as an opportunity to add value in your life.

  

  

So what is the Catch?

  

Before you get too excited, there are some realities to consider prior to making this decision. First, successful short sales take a lot of work and effort. "Short sales ain't easy."

  

Consider some of the required actions in a successful short sale.

  • Finding distressed homeowners. There are countless ways to find distressed homeowners and finding methods that work is essential so you don't waste your valuable time.
  • Talking and convincing distressed homeowners how you can help is challenging with many folks.
  • Listening and understanding the situation of a distressed homeowner is absolutely required. You must listen carefully to a homeowners needs and wants in order to determine a short sale is in their best interest. Because short sales is only one option to consider, you must be knowledgeable enough with the other options. Because ultimately you are working for the homeowner and not your personal financial reasons.
  • Understand and prepare all the documents in a successful short sale. A successful short sale includes documents you review with the distressed homeowner. Explain these documents thoroughly so the homeowner is comfortable moving forward with you. Otherwise they will feel you are just another person trying to scam them out of their house. A successful short sale includes certain documentation that puts them at ease. This is crucial when gaining credibility and trust with distressed homeowners. Distressed homeowners have enough to worry about and they don't need to have another worry placed upon them.
  • Once the documents are complete, next you have to deal with the banks and lenders. Understanding the various lenders' default loan process, procedures, policies, and departments is challenging and time consuming.  Having the experience to be able to effectively negotiate with the lenders can be frustrating. You can't let your frustrations impact the negotiation process.
  • Understanding the local foreclosure law and process is also very important. You have to execute certain steps in a timely fashion or the home will be foreclosed sooner than later.
  • Playing an active role on the Broker Price Opinion (BPO) can have a tremendous impact on the negotiation process with the lenders. If the BPO value is above market value then you will have difficult time convincing a buyer to purchase the property. Handling BPOs comes with experience and insight.
  • Finding qualified buyers can be challenging because credit is tight and guidelines are strict. Building a buyers list or finding good agents is time consuming.
  • Controlling and managing the closing process is another critical component to a successful short sale. A successful short sale is not completed until the deal is closed! You can't afford to lose focus in this final phase.

 

Discouraged Yet?

Obviously successful short sales do require effort, attention to detail, planning, insights, knowledge and experience.

 

Still want to do short sales? You can certainly do short sales yourself, but you will be greatly constrained on building your wealth and having time for other more enjoyable things in life.

 

 

I'm Still Interested

If you are constrained by time, want a way to help more homeowners, or want to exponentially increase your wealth consider partnering with an organization that performs 75% of the work for you.

 

 

Considerations when selecting a partner for your short sale deals

(Choose wisely)

 

Training is very important to increase your success and decrease your mistakes.

  • how to find homeowners in foreclosure
  • how to communicate with distressed homeowners
  • how to prepare the proper documents for successful short sales
  • how to present the paper work to the distressed homeowners
  • how to manage the BPO
  • how to find and manage qualified buyers
  • understand and influence the foreclosure legal process

 

Key Services a partner should offer and you absolutely need to leverage.

  • Availability to answer questions and strategies about a specific case.
  • Review, process, and submit the proper paper work with the banks and lenders
  • Follow, execute, and respect the lenders' processes and guidelines they must follow.
  • Have a good track record negotiating successful short sales and have the homeowners' interest at heart.
  • Handle the closing transactions
  • BPOs
  • A case management tool to ensure a successful short sale. You should have access to your cases 24 hours a day.
  • A large pool of potential buyers you can leverage
  • Agents who can assist with selling the property
  • Available training resources to partners 24 hours a day
  • Ability to list properties on MLS is a must with lenders
  • Events where partners network and mastermind with people like you.
  • Continuously researching and communicating changes in the industry that benefit partners.
  • A Success Coaching Program that is tailored to your needs. A program that is not just for short sales, but instead how to be successful in life in general.
These key services should be provided so you can focus increasing your pipeline of deals instead of you performing those time-consuming and energy-draining tasks that are required for a successful short sale. You don't need experience to begin your journey.

 

 

 

My interest is peaked - I'm ready for the Sales Pitch 

 

My name is Hunter Paschall and to be honest short sales are working. I've been closing short sale deals for 15 years and have seen many changes in the real estate industry in the last 5 years. I've seen changes in the sellers, buyers, banks, and government regulations. To survive in this business, I had to stay on top on the latest changes especially with the banks and government regulations.  


These fears and objections are powerful forces inside of you holding you back.  Most folks need help to overcome these powerful forces.  You don't need to feel embarrassed or reluctant.  Don't make this another year of feeling regretful you didn't take action.  I can help you be successful creating another stream of income for you and your family by attending my next event on
January 28-29, 2012 in Lake Mary Florida.


Don't be fooled by those who say they have a system that completely automates the short sale process. To be successful in this industry you have put in some effort, have some knowledge, and are able to connect with people because this is a people to people business. At the event you will gain a better understanding how and why short sales work. Over the last seven years I've taught and partnered with many folks who overcame their fears of doing short sales. You can too!!  

Short Sales - What's your next move?

When deciding to move forward in real estate and short sales you have a few options.

  1. Do it yourself. Short Sales are certainly not rocket science to learn. But this option will take a very long time to master and you will initially waste a lot of time and money from rookie mistakes. I don't recommend this option.
  2. Learn and Partner from a Do'er who has hands-on knowledge and experience in short sales. You will by-pass the common mistakes and avoid loss of time and money. I highly recommend this option if the person you are learning from is knowledgeable, is experienced, is customer focused, and most importantly is trustworthy.  

 

Short Sales - Choose your Partner Wisely

You must select your partner wisely. You want to find a partner who most importantly has a program and team that cares about you and your success. A partner who truly cares about you is the most important quality to look for. Sure I can tell you about my experience and knowledge in short sales but that is minor compared to having someone you can trust.

Come to my next event and meet me to get a sense of my hands-on knowledge, experience, and commitment to your success.  You will see, hear, and feel I'm a Do'er and not just a Guru of short sales.


Attend my next event to actually meet current and past students/partners and hear firsthand how I helped them overcome their real estate investing challenges.

 

Take Action Now and Jump Start 2012!

2012 is just beginning so get a Jump Start on your success.    

I scheduled the event early in the year to Jump Start your Wealth and Health in 2012.   

 

Do you want to overcome your fears and objections in 2012? 

Do you want to make a change and have a successful 2012? 

Do you want to be a do'er and not a dreamer in 2012?

Act NOW and overcome your Challenges holding you back. You must register to attend. Do not show up unannounced. You will not get in as there is only a limited space and partnerships available.

Click here - Unique Short Sale Training Event Details 

 

 

Looking forward to see you there!  

Hunter Paschall

  

Like us on FacebookFollow us on TwitterView our profile on LinkedInView our videos on YouTubeVisit my blog

 

Red 

 

 
1 comment • Hunter Paschall • January 25 2012 04:01AM

Short Sale Training - What's Holding you Back?

Short Sale Training - What's Holding you Back?

Short Sales Training Event January 28-29, 2012  

When it comes to short sales many people hold back because of various reasons. Are any of these objections holding you back?

Common Short Sale Objections and Myths

  • You think short sales take too long?
  • You think short sales are too complex?
  • You lack the knowledge to do short sales?
  • You lack the experience to do short sales?
  • You lack the time to do short sales?
  • You lack the money to do short sales?
  • You think short sales are a lot of work?
  • You think short sales are illegal?
  • You think short sales don't work?
  • You heard in the media negative stories about short sales?
  • Your friends and family are holding you back?
  • You lack the trust in the short sale presenter or guru?

My name is Hunter Paschall and to be honest short sales are working. I've been closing short sale deals for 15 years and have seen many changes in the real estate industry in the last 5 years. I've seen changes in the sellers, buyers, banks, and government regulations. To survive in this business, I had to stay on top on the latest changes especially with the banks and regulations.  


These fears and objections are powerful forces inside of you holding you back.  Most folks need help to overcome these powerful forces.  You don't need to feel embarrassed or reluctant.  Don't make this another year of feeling regretful you didn't take action.  I can help you be successful creating another stream of income for you and your family by attending my next event on
January 28, 2012 in Lake Mary Florida.


Don't be fooled by those who say they have a system that completely automates the short sale process. To be successful in this industry you have put in some effort, have some knowledge, and are able to connect with people because this is a people to people business. At the event you will gain a better understanding how and why short sales work. Over the last seven years I've taught and mentored many folks who overcame their fears of doing short sales. You can too!!

Short Sale Training - What's your next move?

When deciding to move forward in real estate and short sales you have a few options.

  1. Do it yourself. Short Sales are certainly not rocket science to learn. But this option will take a very long time to master and you will initially waste a lot of time and money from rookie mistakes. I don't recommend this option.
  2. Learn from a Do'er who has hands-on knowledge and experience in short sales. You will by-pass the common mistakes and avoid loss of time and money. I highly recommend this option if the person you are learning from is knowledgeable, is experienced, is customer focused, and most importantly is trustworthy.  


Short Sale Training - Choose your Mentor Wisely

You must select your mentor wisely. You want to find a mentor who most importantly has a program that cares about you and your success. A mentor who truly cares about you is the most important quality to look for. Sure I can tell you about my experience and knowledge in short sales but that is minor compared to having someone you can trust.

Come to my next event and meet me to get a sense of my hands-on knowledge, experience, and commitment to your success.  You will see, hear, and feel I'm a Do'er and not just a Guru of short sales. 


Attend my next event to actually meet current and past students/partners and hear firsthand how I helped them overcome their real estate investing challenges.


Take Action Now and Jump Start 2012!

2012 is just beginning so get a Jump Start on your success.    

I scheduled the event early in the year to Jump Start your Wealth and Health in 2012.   

 

Do you want to overcome your fears and objections in 2012? 

Do you want to make a change and have a successful 2012? 

Do you want to be a do'er and not a dreamer in 2012?

Act NOW and overcome your Challenges holding you back. You must register to attend. Do not show up unannounced. You will not get in as there is only a limited space available.

Click here - Unique Short Sale Training Event Details 

 

Looking forward to see you there!  

Hunter Paschall

  

Like us on FacebookFollow us on TwitterView our profile on LinkedInView our videos on YouTubeVisit my blogRed 

 

 

0 comments • Hunter Paschall • January 24 2012 04:36AM

Short Sale Dirty Talk

Over a month of phones calls to find out that Saxon wasn't even negotiating the short sale!!!

 

This situation came to a head yesterday and I have to say that I am still just completely baffled. Read below and learn from my experience. This one article can end up saving you months of aggravating follow up calls regarding the status of your short sale.

On August 31, 2010 I submitted a short sale offer to Saxon.  After the file was uploaded and the value was done it was assigned to a negotiator. I followed up with this negotiator several times for a status on the offer but he never responded.

Since I wasn't getting any response from him I started to call the main short sale line at Saxon every 3 days for a solid month just to get the run around each and every time. I went through agents and supervisors and they all said they could help but when I would call back again for status I would just get the same result which was NADA!!!!! Nothing had changed!!

Needless to say on my last call to Saxon I became very stern and made it very clear that I wasn't going anywhere until I had a result while I was on the phone. Now hold on to your seat because HERE IS THE BEST PART!!!

The manager I was talking to informed me that Saxon outsources their short sales to a company called Hill Bridge Capital, LLC and that if I called and spoke with them I could find out what was going on with the file...  Of course, at this point I had to take a deep breath and regain my composure.

After my brief moment of meditation I decided to just look at the positive in the situation and be grateful that somebody finally told me how get some results.

I spoke with an agent form Hill Bridge and got the answers I needed in just seconds. So for those of you doing short sales with Saxon, remember these words - Hill Bridge Capital, LLC @ 866-241-1901! It will save you time and we all know that time is money!!!

4 comments • Hunter Paschall • November 05 2010 03:24PM

How To help the Sellers of Your Vacant Leads

You may find a lot of the Sellers you are trying to contact or Sellers that have contacted you probably no longer live in the Pre-Foreclosed property.
These distressed home owners are usually down to their last option, have already given up hope and just walked away from the home.
They are expecting the bank to take their home and their credit to be tarnished.

These people need to know they can still be helped by doing a Short Sale, which is one of the most effective ways for discounting loans in real estate.
It is definitely harder to track down the Sellers of these Vacant Properties, but you can try to find their contact information the following ways:

1. Go to the house and leave a Yellow letter in the door.

2. Go to the neighbors and find out where the Homeowner moved

3. Locate telephone numbers on the free telephone search websites

4. Contact a skip tracer to obtain the telephone number of the Homeowner and their new address, i.e. www.findtheseller.com

It is to your advantage to track down these Sellers because:

1. Most of the time the Homeowner does want to save their credit

2. Many investors do not track vacant homes giving you less competition

3. Selling vacant houses is easier because you are able to allow your new buyers instant access

Doing Short Sales can create huge investment opportunities and you are helping a homeowner in distress. How great is that?

Short Sale Training
Get Info Here!

To Your Success,
Hunter
407-772-2274

3 comments • Hunter Paschall • August 25 2010 04:18PM

Short Sale Training Event with Hunter Paschall coming to Orlando, Fl

The Clock is ticking down! Only 8 Days Left to attend my LAST 3 Days Live Short Sale Training Event in Orlando, Fl  August 20-22, 2010! This is Your LAST CHANCE to learn a very specific system that I have implemented and have been using with great success. I am going undercover to mastermind with my top students, and you could be one of them.
Learn More Here

I can help you thrive and help those in need by teaching you how to succeed in short sale negotiation.  I have been in this business for over 13 years, have closed hundreds of deals and help my attendee's get their deals closed too. Be ready to learn proven strategies, tips and formulas I will deliver to you for short sale success.
See what other attendee's have to say Here!

I want to share with you all of the latest and greatest techniques that I have discovered in this powerful market and what is going on with our Real Estate Economy today.

This Last 3 Days Live Event is going to be an information packed, no hard selling, unforgettable, spectacular weekend with incredible BONUSES and over $1,000 in Gifts for attending!
See them Here!

After 3 Days of learning my techniques, YOU WILL

* Know how to have Motivated Sellers begging you to take their house with no money

* Know what to say to Sellers

* Know what Paperwork a Seller needs to sign

* Know what Marketing material really works

* Know the Formula to evaluate and make an offer to the Bank

* Know how to prepare a Short Sale Package and get it accepted by the Bank

* Know how to do successful Negotiations with the Bank

* Know what to say and not to say to the Mortgage company

* Know how to find Buyers

* Know how to do a Simultaneous / Back to Back Closing

* Know how to influence the almighty BPO

AND MUCH MORE!
The 3 Days Live - Short Sales full event schedule is available here.

Don't let another day pass you by wondering how you are going to make ends meet!
Learn how to get the sellers to work with you, close the deals and be ready to make some SERIOUS MONEY!

Get signed up today with my Beat the Economy Crisis Discount!
With this being my Last Event, the spots are filling up quickly!
Save Your Seat Now!
Sign up Here


Looking forward to seeing you there,
Hunter Paschall
407-772-2274
bpomanager@cfl.rr.com

0 comments • Hunter Paschall • August 11 2010 04:22PM

A Leap Of Faith

I was talking to one of my coaching student/Partner just yesterday. He had a lot of questions and concerns about the Short Sale industry and what it is coming to. He was frustrated with his full time Job. He told me that he was taking a leap of faith and cutting the ties from the company he was involved with. He also told me this better work Hunter because I have no other income accept working with you. I have to tell you I got a little shaky for a moment and had a little gut check.
You know that turn in your stomach that you feel when you hear something or do something that is a little weird sounding or feeling.

Then I said, "Marv welcome aboard and you are going to change your life one way or the other".
How do I know that you may ask? I will tell you I did just what he is doing.

I left my 20 year job and jumped in with both feet. That was over a decade ago and I have never looked back. I had some of the same fears he has right now and here are a few.

Am I good enough to do this?
Do I really have enough knowledge and skill for this leap of faith?
Can I provide enough money to pay my bills?
Will I have to humble myself and crawl back to the job I have hated for the last 5 years?
Will I succeed in this new arena of so called financial freedom?
What do I do if I fail or make a mistake and I lose everything I have?  
Heck, I had nothing to lose and I was determined to get through all of this come Hell or High water.

I have been getting a lot of the same questions from partners and Students from all over.
I want you to look at what is going on in your life right now and ask yourself do I have what it takes to succeed? Can I do it on my own do I have enough knowledge experience and faith in myself?
If you answered yes or no it does not matter. I am asking you to tell me what is holding you back and how can I help you to the starting line, the finish line, or just to expand the short sale career you all ready have.

I am the leading expert in the Pre-foreclosure, foreclosure industry and my company is taking it by storm. I want to help you out on whatever you are into or beginning.
We have been in the trenches of this old industry that is changing all the time

Let me take the mystery out of doing Short Sales and put you on the road to getting the short sale, helping the homeowners in distress and getting the deal closed!

Join me in Orlando,Fl, August 20-22,2010 where I will be giving up incredible tips, strategies and wisdom just for you. Yes, you are going to be privy to techniques only taught at my events and what I use everyday for success.

If you are serious about helping the homeowners with short sales, believe me, you do not want to miss out on this valuable information! Are you ready for your Leap of Faith like Marv?

The industry is changing and it is going to make us a lot of money.
Get all your questions answered!

Learn more about the Event Here


To Your Success,
Hunter Paschall
bpomanager@cfl.rr.com
ShortSalesEvent.com

1 comment • Hunter Paschall • August 03 2010 09:18AM

Can I get Your Input on This?

We have a very special Short Sale Training Event coming up on August 20th - 22th in Orlando, Fl.
 
This will be like no other Short Sale Training you have ever attended, so please mark your calendar.
 
But before I go into details about the event, I was wondering if you could do me a quick favor.
Click Here  to go a short survey.
 
I want to tailor this event specifically to your needs to help you accelerate your short sale investing career to its highest potential.
 
Your answers to this survey are critically important to help me understand what your needs are and the topics you are most interested in.

Perhaps the area's you do not quite understand, the ones that are holding you back.

I want to focus on YOU, your needs and goals, and make it an event you look back on and say... this training was the turning point in my short sale investing career.
 
I know your time is valuable and greatly appreciate your participation.
Please Click Here for the short survey

Thank you for your help,

Hunter Paschall
bpomanager@cfl.rr.com

0 comments • Hunter Paschall • August 02 2010 01:57PM

Will Your Buyers Credit Score Meet the New FHA Loan Rules

The new rules being proposed for the Federal Housing Administration (FHA) will mean that no one with a credit score under 500 will be able to get a loan. If your buyers have a credit score of 500 - 580 they will have to put down a 10% down payments. There is a break for those who have a score over 580, they can still qualify for 3.5% down payments. A 620 score for FHA loans have been required by many lenders and can go as high as 660 in consideration of the neighborhood watch program. 

Buyers who want to purchase a home with an FHA mortgage have other changes including an "Up Front Mortgage Insurance Premium". This amount is due when the buyer and seller close on the home and is calculated by multiplying the base loan amount by the percentage rate at time of closing. The positive side of this is that some of the payment can be put on the annual mortgage insurance premium giving the buyer more time to work that in their budget.

Other factors your buyers need to be aware of to get a loan with the FHA will be credit history, loan to value ratio debt to income ration and cash reserves.

Seller will also feel the effect of the changes. The FHA has lowered seller concessions from 6% to 3% in a move FHA officials say is designed to eliminate the temptation to inflate the appraised value of a home for sale.

Another change will include a "Neighborhood Watch" program. This program is implemented to increase monitoring of FHA lenders according to the FHA, as a proposed Amendment of the National Housing Act, requiring all approved mortgagees assume liability for all of the loans that they orginate and underwrite. You can get more information on the Department of Housing and Urban Development's official site.

While this bill has passed the house, the next process is to clear the Senate. Department of Housing and Urban Development Secretary Shaun Donovan seems optimistic that H.R. 5072 could clear the Senate hurdle soon, saying "We look forward to quick action by the Senate on this proposal to encourage responsible homeownership while further reducing risk to the American taxpayer."

Stay updated, sign up for my newsletter emails with the latest updates on what is happening with Short Sales in todays market.

Want more for your short sale career?
Be sure to Check out my 3 Days Live Short Sale Training Event coming to Orlando, Fl August 20-22, 2010
Right Here

To Your Success,
Hunter Paschall
bpomanager@cfl.rr.com

3 comments • Hunter Paschall • July 21 2010 12:12PM

Lead Generating Machine Webinar and Bonuses!

Get on this Webinar and get the Dozens of little "secret" ideas that can be implemented in minutes that will drive small droves of traffic and visitors to your websites, squeeze pages and blogs.
Check it out Right Here!

If you missed the Sneek Preview of the SIMS 2.0 webinar last night, not to worry I have you covered!

What is SIMS 2.0 you ask?
Greg Clement and Jeff Walker call their system "SIMS 2.0"... and it's a PROVEN system that just plain works.
 
SIMS is a marketing and lead generating system that will help you grow and scale your business by putting more deals in your pipeline. With SIMS 2.0 you'll be a LEAD GENERATION MACHINE.

You can get all the info on this incredible webinar and product
by clicking here! Believe me, you do not want to miss this one!


I am so excited about SIMS 2.0, that I want to sweeten the offer even more!


 ... just for buying SIMS 2.0.

You will receive a Free Pass to my 3 Days Live Short Sale Training Event coming to Orlando, Fl August 20-22, 2010.
Yes, thats right! A FREE Pass for 3 Full Days of Short Sale Training like you have never had before... A Value of over $9,000 Big Bucks!

But I am not stopping there... I am practically selling the farm!

Get on over to the registration page now and find out what else I have in store for you!

Limited Time Only!
Click Here Now!


To Your Success,
Hunter Paschall
bpomanager@cfl.rr.com

0 comments • Hunter Paschall • July 14 2010 10:13AM

Special VIP (Internet Marketing) Training Webinar

Can you really get TONS of leads for your real estate business by using the Internet?
 
Well... the answer is OF COURSE you can.
 
Think about it- what do people do on the Internet? They look for stuff.
 
Like real estate. Both buyers AND sellers are on the Internet, and they are VORACIOUSLY searching for information.
 
So why aren't you getting a ton of leads from the Internet for YOUR real estate investing business?
Because you're doing it all wrong, that's why!
 
I mean, it's not your fault... pretty much EVERYONE is going it all wrong. And that's why the
few people who know what they're doing are making an absolute killing.
 
There's two guys (Greg Clement and Jeff Walker) who really DO know what they're doing.  
They know how to teach this stuff really well.. And they're actually going to be
doing a webinar that walks you through the entire process.

****You don't want to miss this! Sign Up Here Now!****
 
They call their system "SIMS 2.0"... and it's a PROVEN system that just plain works.

On the webinar you will discover exactly how to....

-Dominate you local real estate market..
-How to use video marketing the Right way...
-Mobile Marketing and why it is critical...
-How to make money before you sell a house
-The property launch formula you can use to sell any house quickly
and much, much more!
 
If you want to know more about SIMS 2.0 and how it can drive more buyer and seller leads into your business, then you have to register for the webinar (plus get lots of free training material)

 After you register, make sure you check out the "Property Launch Formula" video...that shows you a crazy technique that sells houses in as little as one day... even in down markets.
 
****Register Right Here****

To Your Success,
Hunter
To Your Success,
Hunter Paschall
bpomanager@cfl.rr.com

 

0 comments • Hunter Paschall • July 09 2010 02:32PM