Real estate questions, answers, advice, opinions, blogs & articles page 35
Do Credit Counseling and Buying a Home Mix?
I pulled credit on a buyer recently and noticed credit card counseling payment plans on several credit card accounts. ANYTHING out of the ordinary needs to be addressed right away.I went to the FHA handbook…
I pulled credit on a buyer recently and noticed credit card counseling payment plans on several credit card accounts. ANYTHING out of the ordinary needs to be addressed right away.I went to the FHA handbook…
Would you go through closing w seller out of the country?
I'm buying a short sale and the seller will be leaving the country during the time we're scheduled to close. I don't feel comfortable with this and want to push to close before the seller…
I'm buying a short sale and the seller will be leaving the country during the time we're scheduled to close. I don't feel comfortable with this and want to push to close before the seller…
IS IT TIME TO FORECLOSE OR SHORT SELL YOUR PRINCIPAL RESIDENCE?
IS IT TIME TO FORECLOSE OR SHORT SELL YOUR PRINCIPAL RESIDENCE? As of December 31, 2012, the Mortgage Debt Relief Act of 2007 expires and substantial tax consequences will apply if your main home is foreclosed…
IS IT TIME TO FORECLOSE OR SHORT SELL YOUR PRINCIPAL RESIDENCE? As of December 31, 2012, the Mortgage Debt Relief Act of 2007 expires and substantial tax consequences will apply if your main home is foreclosed…
Motivated seller is looking for a good real estate agents
Motivated Seller Need Help from a professional REALTOR! Peter Cerutto has 2 potential listings for a good Real estate agent. He is looking for help from the right REALTOR. Connect with Peter on our network…
Motivated Seller Need Help from a professional REALTOR! Peter Cerutto has 2 potential listings for a good Real estate agent. He is looking for help from the right REALTOR. Connect with Peter on our network…
Motivated seller is looking for a good real estate agents
Motivated Seller Need Help from a professional REALTOR! Peter Cerutto has 2 potential listings for a good Real estate agent. He is looking for help from the right REALTOR. Connect with Peter on our network…
Motivated Seller Need Help from a professional REALTOR! Peter Cerutto has 2 potential listings for a good Real estate agent. He is looking for help from the right REALTOR. Connect with Peter on our network…
Gilbert Homes For Sale 85234
Gilbert Homes For Sale 8523485234 in Gilbert runs along the northern part of town from Baseline Road south to Elliot Road and from Gilbert Road to Power Road. You can find neighborhoods like Higley Groves,…
Gilbert Homes For Sale 8523485234 in Gilbert runs along the northern part of town from Baseline Road south to Elliot Road and from Gilbert Road to Power Road. You can find neighborhoods like Higley Groves,…
Tips for Fixer-Uppers
Tips for Fixer-Uppers Fixer-Uppers are one of those little things in life where you can score big, or loseit all. If you are planning…
Tips for Fixer-Uppers Fixer-Uppers are one of those little things in life where you can score big, or loseit all. If you are planning…
how do I find a lender who does mortgages for co-operative housing in Los Angeles?
I know that co-ops are not common in southern california and thus most of the lenders don't do financing for it. I'm in the process of buying a co-op but want to know if I have a choice of choosing from…
I know that co-ops are not common in southern california and thus most of the lenders don't do financing for it. I'm in the process of buying a co-op but want to know if I have a choice of choosing from…
Short sale rebate to seller in CA?
House in Oakland. I Will short sale under the HAFA program. Is it unreasonable to ask my RE Agent /Broker for a rebate in exchange for the listing? Anyone in CA doing this? BofA is my lender and they…
House in Oakland. I Will short sale under the HAFA program. Is it unreasonable to ask my RE Agent /Broker for a rebate in exchange for the listing? Anyone in CA doing this? BofA is my lender and they…
I'm interested in viewing this property if it's still available. Thanks.
-- This question is about this property: http://www.trulia.com/rental/3074103784--County-Hwy-30a-Hwy-2046-Santa-Rosa-Beach-FL-32459
-- This question is about this property: http://www.trulia.com/rental/3074103784--County-Hwy-30a-Hwy-2046-Santa-Rosa-Beach-FL-32459
Agents asking to get Prequalified by particular lender?
I am currently in the process of buying a home but I am sometimes told that I will need to get prequalified by a particular lender on some of the homes that I like. I do not feel comfortable exposing my…
I am currently in the process of buying a home but I am sometimes told that I will need to get prequalified by a particular lender on some of the homes that I like. I do not feel comfortable exposing my…
Why does a buyer have to pay a large short sale negotiation fee?
I used a realtor to place an offer on a short sale in PA, which was accepted and signed by the seller. My offer has not been submitted to the lender because the seller is using a third-party negotiator…
I used a realtor to place an offer on a short sale in PA, which was accepted and signed by the seller. My offer has not been submitted to the lender because the seller is using a third-party negotiator…
Google To Offer CornellNYC Tech Five Years Of Free Rent
Google Pledges Free Rent For CornellNYC Tech Program By SAMANTHA GROSS 05/21/12 03:54 PM ET A rendering of the proposed tech campus on Roosevelt Island NEW YORK — Google Inc. is donating space…
Google Pledges Free Rent For CornellNYC Tech Program By SAMANTHA GROSS 05/21/12 03:54 PM ET A rendering of the proposed tech campus on Roosevelt Island NEW YORK — Google Inc. is donating space…
Important Real Estate News of the Day - May 21, 2012
Good morning, and welcome to my Real Estate Blog where we discuss local, regional and national real estate news and information. We encourage you to comment on properties shown, as well as market conditions…
Good morning, and welcome to my Real Estate Blog where we discuss local, regional and national real estate news and information. We encourage you to comment on properties shown, as well as market conditions…
Downtown property???
Anyone have any thoughts as what might happen to property prices in the Downtown vicinity? Looking to buy somewhere Downtown next year, but afraid prices will significantly increase with Streetcar and…
Anyone have any thoughts as what might happen to property prices in the Downtown vicinity? Looking to buy somewhere Downtown next year, but afraid prices will significantly increase with Streetcar and…
1 or 2 bedroom and i have horrible credit and im very low incomed and im getting evicted in 30 days from my apartment any places that would take me?
im a single mother that gets no child support
im a single mother that gets no child support
$1 Million Parking Space At 66 East 11th Street For Sale
$1 Million Parking Space At 66 East 11th Street For Sale Posted: 05/21/2012 10:47 am Updated: 05/21/2012 3:33 pmYou know $1 million in the world of Manhattan real estate is mere chump change when all…
$1 Million Parking Space At 66 East 11th Street For Sale Posted: 05/21/2012 10:47 am Updated: 05/21/2012 3:33 pmYou know $1 million in the world of Manhattan real estate is mere chump change when all…
Can a Special Warranty Deed to turned into a General Warranty Deed?
If you buy a foreclosure home with a Special Warranty Deed, can you turn it into a General Warranty Deed to resell it.
If you buy a foreclosure home with a Special Warranty Deed, can you turn it into a General Warranty Deed to resell it.
I have been interested in this area, can you tell me what the average homeowners fees are?
-- This question is about this property: http://www.trulia.com/property/3074872041-820-Via-Vaquero-Norte-San-Juan-Bautista-CA-95045
-- This question is about this property: http://www.trulia.com/property/3074872041-820-Via-Vaquero-Norte-San-Juan-Bautista-CA-95045
I am trying to find out if this house is for rent.
-- This question is about this property: http://www.trulia.com/homes/Kentucky/Fairdale/sold/264744-9816-National-Tpke-Fairdale-KY-40118
-- This question is about this property: http://www.trulia.com/homes/Kentucky/Fairdale/sold/264744-9816-National-Tpke-Fairdale-KY-40118
Hello My question is this!We are currently in escrow with a house we offered 1,098,000. (This was after
they countered us) This is currently the highest priced home in the history of the track in southern Ca. The home is unique because it has all the up grades, but it does not comp out to the rest of the…
they countered us) This is currently the highest priced home in the history of the track in southern Ca. The home is unique because it has all the up grades, but it does not comp out to the rest of the…
Upper Marlboro MD Real Estate: Fishing is Restricted!
Realtor: "Of course I can answer your questions." Buyer: "Well, I'm just trying to get some insight to buying a home." Realtor: "Okay, that's fine. However, I like to set up meetings with potential…
Realtor: "Of course I can answer your questions." Buyer: "Well, I'm just trying to get some insight to buying a home." Realtor: "Okay, that's fine. However, I like to set up meetings with potential…
How is the demand in Alhambra, CA for a 2-bedroom, 2 bath. I'm not willing to give my place away
Has been very well maintained, close to schools, no crime, quiet neighbors!
Has been very well maintained, close to schools, no crime, quiet neighbors!
tax for this house
taxes are only 8500.00
taxes are only 8500.00
I rent an apartment and the owner mentioned possibly selling me my unit as a condo but all of the other units in the building are rentals
It is a 5 unit complex and he would want to sell me my unit as well as the unit next to me which would be the entire bottom floor of the apartment complex. I would love to do this as it is a great location…
It is a 5 unit complex and he would want to sell me my unit as well as the unit next to me which would be the entire bottom floor of the apartment complex. I would love to do this as it is a great location…
Are there any condo's for sale near the beach that I can also use as a vacation rental property?
I live back East and need to remain there for the short term. I want to buy in the Seal Beach area. My target is a condo type property that I can rent out as a vacation rental until I can move out permanently.
I live back East and need to remain there for the short term. I want to buy in the Seal Beach area. My target is a condo type property that I can rent out as a vacation rental until I can move out permanently.
Which is better
Price reduction or offering seller assistance?
Price reduction or offering seller assistance?
Feds Sue BofA, JPMorgan, Others Over Toxic Mortgage Bonds
FDIC Sues Bank Of America, JPMorgan, Others Over Toxic Mortgage Bonds That Sank Two Illinois Banks AP | Posted: 05/21/2012 6:27 pm Updated: 05/22/2012 8:31 amWASHINGTON (AP) — The government has sued…
FDIC Sues Bank Of America, JPMorgan, Others Over Toxic Mortgage Bonds That Sank Two Illinois Banks AP | Posted: 05/21/2012 6:27 pm Updated: 05/22/2012 8:31 amWASHINGTON (AP) — The government has sued…
Help me determine if the seller's asking price is reasonable
I am interested in a 2-bedroom condo that was purchased 3 years ago by the seller for $620,000, which was even $10,000 more than the asking price at that time. That amount looks reasonable as the condo…
I am interested in a 2-bedroom condo that was purchased 3 years ago by the seller for $620,000, which was even $10,000 more than the asking price at that time. That amount looks reasonable as the condo…
EPA Fines Violators of the Lead Renovation, Repair and Painting Rule
Lead Paint renovations are tightly regulated. If you perform them or contract for them you should get your paperwork in order for later use. Call me if you have any questions and I will send you the…
Lead Paint renovations are tightly regulated. If you perform them or contract for them you should get your paperwork in order for later use. Call me if you have any questions and I will send you the…
Irises
Irises are in bloom in the Hudson Valley, and in a variety of colors. Sure adds to the curb appeal of a property.
Irises are in bloom in the Hudson Valley, and in a variety of colors. Sure adds to the curb appeal of a property.
please contact me shamel barron 3473278175. serious client
-- This question is about this property: http://www.trulia.com/rental/3082193409-3555-Bainbridge-Ave-Bronx-NY-10467
-- This question is about this property: http://www.trulia.com/rental/3082193409-3555-Bainbridge-Ave-Bronx-NY-10467
Rhinebeck NY Market Update for April
In the Town of Rhinebeck during April 2012 3 homes sold, ranging in price from $271,000 to $1,950,000. Because of the almost 2 million dollar sale the average sale price came in at $831,833; keep…
In the Town of Rhinebeck during April 2012 3 homes sold, ranging in price from $271,000 to $1,950,000. Because of the almost 2 million dollar sale the average sale price came in at $831,833; keep…
Honor our Veterans this Memorial Day in Arlington
Arlington is home to some of the most patriotic residents in our country. We have many great monuments, honoring veterans and famous Americans, to help us remember those who…
Arlington is home to some of the most patriotic residents in our country. We have many great monuments, honoring veterans and famous Americans, to help us remember those who…
I want to know how secure is this zone,,, I have 2 babies. thanks
is there crime, gangs or anything like that?
is there crime, gangs or anything like that?
HOW DO I GO ABOUT OBTAINING MORE INFORMATION ON THIS PROPERTY?
-- This question is about this property: http://www.trulia.com/rental/3055450780-7676-Clubhouse-Estates-Dr-Orlando-FL-32819
-- This question is about this property: http://www.trulia.com/rental/3055450780-7676-Clubhouse-Estates-Dr-Orlando-FL-32819
Wilson L, Halsey J
I have been looking at two and three family homes in this area with the thought of living in one unit and renting out the other one or two units. The homes look nice, but I hear poor reviews of the neighborhood.…
I have been looking at two and three family homes in this area with the thought of living in one unit and renting out the other one or two units. The homes look nice, but I hear poor reviews of the neighborhood.…
Maria Medina Your Miami Realtor
May 2012 Market Update The housing market and the overall economy are improving at modest rates nationally, and in some areas they have actually gained momentum. The Conference Board’s CEO confidence…
May 2012 Market Update The housing market and the overall economy are improving at modest rates nationally, and in some areas they have actually gained momentum. The Conference Board’s CEO confidence…
If you have obtained an FHA loan prior to 6/1/09 then we need to talk
If you have obtained an FHA loan prior to 6/1/09 then we need to talk! The Upfront Mortgage Insurance will be reduced to 0.01 (down from 1.00), and the monthly MI factor will be reduced to .55. This…
If you have obtained an FHA loan prior to 6/1/09 then we need to talk! The Upfront Mortgage Insurance will be reduced to 0.01 (down from 1.00), and the monthly MI factor will be reduced to .55. This…
Bank of America Los Angeles Short Sale Up to $30000 Cash Incentive ?
Bank of America Los Angeles Short Sale Up to $30000 Cash Incentive ? Is it possible for a Seller to receive up to $30,000 Incentive on a Bank of America Los Angeles Short Sale instead of a foreclosure?…
Bank of America Los Angeles Short Sale Up to $30000 Cash Incentive ? Is it possible for a Seller to receive up to $30,000 Incentive on a Bank of America Los Angeles Short Sale instead of a foreclosure?…
What is the exact issue with this house is it for sale? In foreclosure?
-- This question is about this property: http://www.trulia.com/homes/Minnesota/Sauk_Centre/sold/20970136-407-Morning-View-Ct-Sauk-Centre-MN-56378
-- This question is about this property: http://www.trulia.com/homes/Minnesota/Sauk_Centre/sold/20970136-407-Morning-View-Ct-Sauk-Centre-MN-56378
Can I sell a HUD FHA financed home I have occupied since closing before the 12 months is up?
I purchased my home with all intentions of staying at least 12 months, but my partner and I have decided it's become too inconvenient and stressful living separately, and would like to purchase a…
I purchased my home with all intentions of staying at least 12 months, but my partner and I have decided it's become too inconvenient and stressful living separately, and would like to purchase a…
3% Down and No Mortgage Insurance Program!
There is a great new program available for 1st time home buyers in MN. If you are a first time buyer, make less then $82,000, have at least 680 credit and take the Home Stretch buyer class you will…
There is a great new program available for 1st time home buyers in MN. If you are a first time buyer, make less then $82,000, have at least 680 credit and take the Home Stretch buyer class you will…
Im in the military and about to move back to Arkansas and would really like to live in Heber. Can u send me some pics of the place?
-- This question is about this property: http://www.trulia.com/rental/3057447870--N-Hwy-16-Heber-Springs-AR-72543
-- This question is about this property: http://www.trulia.com/rental/3057447870--N-Hwy-16-Heber-Springs-AR-72543
Single mom no job yet, has $44,000 for down payment will bank give small loan on a $67,900 house?
I'm going to nursing school in the fall at a local commuity collage. Grants will help with school but what about month to month cost for home? I hate to rent because I could buy this home, make lower…
I'm going to nursing school in the fall at a local commuity collage. Grants will help with school but what about month to month cost for home? I hate to rent because I could buy this home, make lower…
Just wondering if this property is still for sale? Thanks!
-- This question is about this property: http://www.trulia.com/property/3064978801-6720-State-Road-535-Windermere-FL-34786
-- This question is about this property: http://www.trulia.com/property/3064978801-6720-State-Road-535-Windermere-FL-34786
I'm just curious to know what the HOA for this development is currently.
Optional details about your question -- This question is about this property: http://www.trulia.com/property/3050854912-8933-Newmarket-Dr-Windermere-FL-34786
Optional details about your question -- This question is about this property: http://www.trulia.com/property/3050854912-8933-Newmarket-Dr-Windermere-FL-34786
Hastings-on-Hudson River Cleanup Finalized By The DEC
According to a recent news release from the NY DEC, another cleanup plan has been finalized for the 28 acre waterfront property in Hastings-on-Hudson NY, formerly occupied by the Anaconda Wire & Cable…
According to a recent news release from the NY DEC, another cleanup plan has been finalized for the 28 acre waterfront property in Hastings-on-Hudson NY, formerly occupied by the Anaconda Wire & Cable…
Downtown San Diego Condo Market Picking Up Steam
The market for Downtown San Diego condos is holding steady. Many of my clients interested in the Downtown San Diego condo market are surprised to find there is an extremely low inventory currently…
The market for Downtown San Diego condos is holding steady. Many of my clients interested in the Downtown San Diego condo market are surprised to find there is an extremely low inventory currently…
Does this house have central air?
-- This question is about this property: http://www.trulia.com/property/3056602098-1210-Sunset-Ave-Yorkville-IL-60560
-- This question is about this property: http://www.trulia.com/property/3056602098-1210-Sunset-Ave-Yorkville-IL-60560
I've been a business owner ready to buy but, the loan programs are asking 2 years of tax returns which blocks me to qualify. Any ideas around?
I've been self-employed for 7 years, and like every owner, I have spent my money wisely to get more write-offs. This makes my tax returns come in with small profits. I've talked to BofA for…
I've been self-employed for 7 years, and like every owner, I have spent my money wisely to get more write-offs. This makes my tax returns come in with small profits. I've talked to BofA for…
Moving to the Sequoyah district in Oakland, Ca. Is there a list online of utilities I will need to contact for electricity, cable, phone and police?
I purchased an adorable little condo in the hills, and would appreciate any help/insights you can give on the neighborhood. Is there an alarm company that you like in that area? Also, there don't…
I purchased an adorable little condo in the hills, and would appreciate any help/insights you can give on the neighborhood. Is there an alarm company that you like in that area? Also, there don't…
Where can we look for a Church to buy in North-Northwest of Austin, Texas?
Small or medium size of Church with around two acres of lot, and having facility for office and kitchen.
Small or medium size of Church with around two acres of lot, and having facility for office and kitchen.
Can i reject an offer after legally accepting it? What advantages do my buyers have if things were to go to court?
We accepted an offer but did not find another house to buy so we decided to stay in our house. The buyers are threatening to take this to court
We accepted an offer but did not find another house to buy so we decided to stay in our house. The buyers are threatening to take this to court
Top 10 Home Showing Tips- BostonResidentialHomes.com
Top 10 Home Showing Tips – BostonResidentialHomes.com Real Estate Specialist Spiro Vrouhas: Dutton Real Estate, Realtors LLC Showing your home is essential in the real estate business. After all, who…
Top 10 Home Showing Tips – BostonResidentialHomes.com Real Estate Specialist Spiro Vrouhas: Dutton Real Estate, Realtors LLC Showing your home is essential in the real estate business. After all, who…
Why is this house $950 and the pictures look terrible.?
-- This question is about this property: http://www.trulia.com/rental/3084591602-2166-Satellite-Way-Ellenwood-GA-30294
-- This question is about this property: http://www.trulia.com/rental/3084591602-2166-Satellite-Way-Ellenwood-GA-30294
Want to buy 1br in New Jersey to rent
Hi. I want to buy 1 or 2 bedroom apartment in New Jersey and rent it out for profit. I can put 80K downpayment. Which areas would you recommend?
Hi. I want to buy 1 or 2 bedroom apartment in New Jersey and rent it out for profit. I can put 80K downpayment. Which areas would you recommend?
Termites *le sigh*
Before buying the house, we of course had a termite company come out and check it out. There were a few places but according to my understanding of the report, they took care of it. Now that we have moved…
Before buying the house, we of course had a termite company come out and check it out. There were a few places but according to my understanding of the report, they took care of it. Now that we have moved…
I need to know how to safely give a check to the property owner to secure a rental property? Do I wait for a rental agreement first?
He is traveling and not in Hawaii where the condo is.
He is traveling and not in Hawaii where the condo is.
Let's Dish
Need to stock up on dishware, pots, pans, glassware, serving and eating utensils? Shop restaurant supply stores for frugal finds that will withstand any kitchen use or some abuse! I still use the wares…
Need to stock up on dishware, pots, pans, glassware, serving and eating utensils? Shop restaurant supply stores for frugal finds that will withstand any kitchen use or some abuse! I still use the wares…
I bought a short sale house from a bank. After closing,the bank disagree the net & want money from me;they say nothing before closing. Any advice?
Based on the Bank's instruction, the escrow company send the HUD to the bank 3 days before closing escrow. The bank didn't object to HUD before closing, but one week after closing, the bank disagree…
Based on the Bank's instruction, the escrow company send the HUD to the bank 3 days before closing escrow. The bank didn't object to HUD before closing, but one week after closing, the bank disagree…
Housing starts add to recovery signs
www.source1homes.comWASHINGTON (Reuters) - A rebound in groundbreaking for homes in April suggested the housing market recovery was gaining some traction, even though permits for future building fell.The…
www.source1homes.comWASHINGTON (Reuters) - A rebound in groundbreaking for homes in April suggested the housing market recovery was gaining some traction, even though permits for future building fell.The…
Why is it off the market?
I saw this house the other day and was very interested in it. i was wondering however why it has been taken off of the market. if anyone has any answers they would be most appreciated -- This question…
I saw this house the other day and was very interested in it. i was wondering however why it has been taken off of the market. if anyone has any answers they would be most appreciated -- This question…
Foreclosed Americans find way back to homeownership
www.source1homes.comNEW YORK (Reuters) - When Jennifer Anderson's family could no longer afford their mortgage and lost their home, she expected many years to pass before they would again become property…
www.source1homes.comNEW YORK (Reuters) - When Jennifer Anderson's family could no longer afford their mortgage and lost their home, she expected many years to pass before they would again become property…
Does the owners rent to college students?
-- This question is about this property: http://www.trulia.com/rental/3084315423-9-Harding-Dr-Novato-CA-94947
-- This question is about this property: http://www.trulia.com/rental/3084315423-9-Harding-Dr-Novato-CA-94947
More apartments planned for South Florida
www.source1homes.comA Boca Raton-based developer is the latest firm to announce plans for apartment communities in South Florida. The Altman Cos. says it will build rentals in Boynton Beach, Coconut Creek…
www.source1homes.comA Boca Raton-based developer is the latest firm to announce plans for apartment communities in South Florida. The Altman Cos. says it will build rentals in Boynton Beach, Coconut Creek…
Southern Maryland Spring Health Guide
Southern Maryland Spring Health Guidehttp://www.e-pages.dk/postnewsweekmedia/177/
Southern Maryland Spring Health Guidehttp://www.e-pages.dk/postnewsweekmedia/177/
HOLMDEL NJ LUXURY HOMES FOR SALE BY OWNER REALTOR
Maybe you are a buyer looking for a deal ona FOR SALE BY OWNER in HOLMDEL NJ? Are you a home buyer or home seller trying to get a deal without paying the full commission to a Realtor in Holmdel? I…
Maybe you are a buyer looking for a deal ona FOR SALE BY OWNER in HOLMDEL NJ? Are you a home buyer or home seller trying to get a deal without paying the full commission to a Realtor in Holmdel? I…
Broward County foreclosures fall in April
www.source1homes.comForeclosures in Broward County unexpectedly dropped in April from a year ago, according to the RealtyTrac listing firm.New cases, scheduled auctions and bank repossessions totaled 1,851,…
www.source1homes.comForeclosures in Broward County unexpectedly dropped in April from a year ago, according to the RealtyTrac listing firm.New cases, scheduled auctions and bank repossessions totaled 1,851,…
VIDEO: Loan officer explains "almost" free money
How do I get some "almost" free money? Loan officer Stephen Watts explains.
How do I get some "almost" free money? Loan officer Stephen Watts explains.
Bank of America paying up to $30,000 for short sales
www.source1homes.comBank of America said Tuesday it’s launching a nationwide program that pays homeowners as much as $30,000 to complete short sales. The lending giant tested a similar program in Florida…
www.source1homes.comBank of America said Tuesday it’s launching a nationwide program that pays homeowners as much as $30,000 to complete short sales. The lending giant tested a similar program in Florida…
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Fair Housing and Equal Opportunity
Fair Housing and Equal Opportunity