On Tuesday I had something happen to me that hasn't happened in sometime. In order to do the story justice I must start from the beginning.

Upon returning from my son's baseball practice which started right at 5:00pm I was helping him get his trash out of my car. I am probably too "Monkish" about trash in my car but we all have our quirks, that one is mine. When I opened the trash can and let go of the trash I realized a second TOO LATE I let go of my Blackberry Bold and down the trash can it went into the most vile water you can imagine. Swamp Water would have been an improvement. What did I do? Well just like anyone else another split second passed while I determined whether I was going to stick my hand in that to retrieve it. I "Manned UP" and after it I went. When I pulled it from the water I thought the smell would kill me, note to self it's time to clean the trash can, I took my phone into the gargage, took the battery out, and started shaking the water out. Then I ran inside and washed my hands in water so hot I almost burned myself. Now starts the drying out process....how did it work?

So as you can see when my screen does come on I can not unlock it. So the screen is damaged and the keyboard.

I called my wireless carrier who referred me to the insurance company....yea I had insurance. However I did not know the pass code. I had to wait till someone at the main office arrived and I also emailed our company rep. He responded with the pass code, I called the insurance company again, and for $125 my new Blackberry Bold will arrive IN TWO DAYS!!!! UGH!!!! What do I do for TWO DAYS!!! No constant flow of Twits, no updates of Facebook, no CALLS!!! OMG how do I function? I remember when we did not have this stuff but I am too old to remember what we did!!!! Last night was the worse...no twitting during Dog the Bounty Hunter....somehow it just did not feel right. That was just day one.

Today, I have new outlook and that is I only have to do it today!!!! Nothing like living one day at a time!

HAVE A GREAT DAY!!!!!

Kevin M. Breeland

General Manager

Residential Mortgage of South Carolina, LLC

427 Johnnie Dodds Rd.

Mount Pleasant, SC 29464

breelandk@residentialmtg.com

www.residentialscdailyrates.com

Competitive by nature...the Best by choice!

What!?!? This is it??? Are you kidding me??? Those are just some of the reactions industry had with HUD's release of its FAQ regarding The Final RESPA Rule. In typical HUD fashion this FAQ is long in mystery short on substance. Speaking only for myself HUD continues to define Insanity, They keep doing the same thing and I keep expecting different results. Oh well...such is life.

There are so many details that I can't cover in the content of a blog but I am going to provide you with some useful links. First, HUD's FAQ 16 pages of questions is interesting, confusing, informative, and just plain substance free at times. This link, http://www.hud.gov/offices/hsg/ramh/res/faqfinalrev3.pdf, will provide you with the 16 pages of questions and answers so you yourself may decide if this helps you get prepared for the upcoming changes. The most informative question...well that is up to you to decide. The RESPA Rule has many components to it. Don't believe you can know "about it" and be prepared for the changes. Every company in the real estate industry will be effected so read and study these changes. They are no long proposed, January 1, 2010 it becomes a reality.

Washington wants mortgage reform, Washington wants financial services reform, and when Washington wants something it typically will happen. I have been involved with the RESPA Reform Debate going back to 2002 and my experience has taught me this....the Final RESPA Rule is much different that what was proposed in 2004, the Final RESPA Rule is much different that what industry proposed in the 6 round-tables held throughout the US in 2005, and The Final Rule is even different than what came out in November 2008.

In closing I want to give credit to October Research and RESPA News for the information I have used to write this blog today. RESPA News has two very good articles I recommend you read, "HUD issues FAQs on RESPA final rule" dated 08/14/2009 and written by Kelly McCarel and "HUD responds to criticism over RESPA rule FAQ issuance" dated 08/18/2009 also written by Kelly McCarel, October Research. Here is a link to RESPA News, http://www.respanews.com, and I would recommend following this publication.

HAVE A GREAT DAY!!!!

Kevin M. Breeland

General Manager

Residential Mortgage of South Carolina, LLC

427 Johnnie Dodds Rd.

Mount Pleasant, SC 29464

breelandk@residentialmtg.com

www.residentialscdailyrates.com

Competitive by nature...the Best by choice!

Rear View (West Side) Monticello and the West Lawn

Front View (East Side) of Monticello

Gravesite of Thomas Jefferson, located on the grounds of Monticello

One of the many views from Monticello.

Our former home in Alaska on a winter day in January. July 16th marks our two year anniversary arriving in Charleston.

This is a memorial dedicated to the Breland Family located at Rivers Bridge State Park, SC.....even though my last name has two E's....my great father 4 times removed is on this memorial...Abram Breland.