Well Lisa, most of you who are irritated come to the forum already irritated from your daily interactions. Becoming irratated at pricing that does not affect you in any way is truthfully, in my mind, ludicrous. To answer your question, no, I don't see how my pricing undercuts you, other abstractors or undermines the industry. I pay abstractors all over the state of PA and other states, and we pay them what they quote us, no questions asked. I am offering a service in one county. One county Lisa. I pay people such as yourself in the 66 remaining counties in PA and the other states we do business. Keep that in mind. Now, as far as premiums and competiveness of title companies, you are way wrong and have a misconstrued viewpoint of how title companies attract business. We have to be the fastest, cheapest and offer the best service to even get a client to listen to our voices on the phone. There is no way of getting around this. Now, running a company such as this takes a much larger amount of financial investment and has an extreme amount of liability. Lisa, we only have a few underwriters of whom we can be appointed as an agency and individual agent. If these underwriters go away, we are out of business, literally. That means our vendors take a hit as well. Title companies have agreements with each underwriter. The underwriters have the right to terminate your appointment if you do not send them the exact amount of work stated in the contract, for a large amount of claims, or simply if they just don't like you. Now, it saddens me that you think we are "set" and sitting pretty. It is that point of view that is truly the problem. With all of the kickbacks in this industry that title companies offer to brokers and lenders, companies like mine that do business by the book and are completely honest are in a heap of trouble. Truly. Just read this sentence. "We will pay you a commission if you close your loans with us". Do you see anything wrong with that? Not only should it be illegal, it should be frowned upon by everyone. All of us are not sitting pretty, especially with the amount of companies that do the above in our very over-saturated market. Anyone in PA will tell you this. We at TruClose simply have to adapt and find other creative ways of marketing and "drumming" up business. Offering our abstracting is a great way to do this and I certainly will not apologize to those of you who think I am undermining the industry. We are all business owners, be it sole proprietorships, LLC's, INC's, we all need to adapt to the changes and challenges ahead. Some of us are ready, other's aren't just yet and some just have to face that they will never be. Again, you keep repeating my age. You are calling me immature and a blame diverter above. I never did anything to warrant you to specifically site me in your response to Kurt . Kurt did not mention me, you did in your first line stating I am lowballing prices and non-qualified without one shred of fact. That was immature at best and is certainly not good business practice. Lisa, you most certainly do attribute quality to trust. It is evident from your posts and everyone will let you know that. You also attribute someone's young age with inexperience and therefore leads you to believe that person is not qualified. That is very wrong. The fact you do not trust your son pains me. Instead of treating him in what many might think to be a demeaning manner, teach him your obvious great knowledge. After all, I personally know it is extensive and impressive, he certainly will appreciate learning it. I know how valuable you are in the industry in TX and I am sure you will be in the future. I only ask that if I myself, TruClose or anyone in the TruClose family is publicy spoken of, that the comments are factual and have some research backing them up. It is a common courtesy to the person being spoken of and to yourself, the commentor as you will look much better in the posts and the responses, since you may actually have an argument. Again, I deal with the age stereotypes on a daily basis and I truly thank those who stereotype me. It is extremely motivating and a great tool for my career and those around me whom I like to think I play a part in their security. So, I owe you a great deal of thanks!

Sincerely;

Jason Sheppard