Love's Real Stories

Answering all the real estate questions you never knew you had.

Category: Mishaps

Password, Please

We were on a Zoom call and somebody said, “Why am I ‘required’ to change passwords all the time? I’m sick of it. I can’t keep track of all my stupid passwords because I’m always changing them! I change passwords like I change my socks!”

The Computer Tech guy was on the call and he said, “You protect yourself by locking your house don’t you? You lock your car don’t you? You protect your online house by locking the doors with new passwords.”

It brought to mind a recent crime against one of our Real Estate clients. The crime went down this way:

Jason Anderson hit “Send” on his laptop screen, instantly delivering $37,429.87 from his bank account, by electronic wire fund transfer, to the Title Company handling his escrow for the purchase of his first home. The money is Jason’s down payment and closing costs.

On the receiving end, it’s not the Title Company at all who is receiving the wire transfer of Jason’s money. Rather, it is some faceless fraudster creep who undoubtedly rubs his hands together in glee. He has successfully coerced another sucker into sending him great sums of money. The faceless fraudster hits a few buttons on his keyboard, and Jason’s money is moved to another account and then another account, fake names and numbers are attached, and it can’t be traced or found by anyone other than the faceless fraudster creep.

Jason calls his Realtor, Pam.

“Hey Pam,” says Jason, “I guess we’re getting ready to close escrow. At last, the house will be mine!”

“Yes!” says Pam. “Finally! Loan Approval!”

Jason’s loan approval was a tough one. As a self-employed contractor, he didn’t fit in all the loan boxes of the ideal buyer, so he had to come up with more down payment money, including $15,000 from his Grandparents.

“So when do we close?” asked Jason, “I just wired my closing money to the Title Company.”

“Wait. What? We’re not closing for a week!” said Pam. 

“The Title Company sent me an email that gave me the wiring instructions. They said they needed it by ten o’clock. So I wired the closing funds from my bank account. Right?”

But those wiring instructions came from the faceless fraudster, who had hacked his way into Jason’s email account.

The fraudster employs the devious technique of hacking email passwords, then scanning inboxes for money-related emails. He finds emails about a transaction underway then waits for the right time to order his victim to cough up the money. He sends a spoof email that looks just like it came from the victim’s Title Company, Realtor, attorney, lender, bank, you name it.

There are lots of fraudsters. They have sucked up lots of money from victims like Jason. 

Katie Johnson, General Counsel for the National Association of Realtors says wire fraud is the number one “legal friction point” for Realtors. “Millions of dollars are lost this way,” she said. “Once they send it, the money is gone.” She laid out the rules for protecting against the fraudsters.

  1. Never send money without verifying with a phone call.
  2. Change your email password every two weeks. 

Jason lucked out. His fraudster messed up his own wiring instructions and had to physically go to the bank to straighten it out. The Title Company fraud investigators busted him.

Jason bought his house, and the fraudster is now a faceless fraudster creep in jail. But there are many more fraudsters scanning email inboxes right now, for all kinds of stuff, not just Real Estate.

Change your password, whether or not you change your socks. Right now!

Separation

A funny thing happened on the way to the Real Estate conference in Reno. I didn’t see it happen, but in my mind’s eye I picture what happened, and I bet I’m right on. 

In my mind’s eye, I see my cell phone sliding off the tailgate of my pickup as I accelerate to about 55 miles per hour on the two-mile stretch of Woodruff Lane that runs east from Highway 70 toward the Sierra foothills. That two-mile stretch of Woodruff Lane is as straight and flat as an airplane runway. I picture my cell phone diving off the back of the truck, hitting the pavement, bouncing, hopping, and cartwheeling along the road behind my speeding pickup, until it veers off into the ditch bordering Woodruff Lane.

In the driver’s seat, I was oblivious to the plight of my poor cell phone until Woodruff Lane hung a sharp right. At that point, I slowed down and sensed there was a change in the sound and air current from the back of the truck. In my rear-view mirror, I saw the tailgate down and the camper shell door up. I pulled over and bore witness to the horrific situation: my briefcase open, having regurgitated my cell phone; the tailgate and camper shell open, having been unsecured in their closed positions, sabotaged by an errant bungee cord, caught up in the fastening mechanism.

Cell phone gone! “Gaaaa,” I yelled into the quiet vastness of the Northern Sacramento Valley. A hot bubble of anxiety swelled in my chest as I thought of all the ways I would be in trouble without my cell phone. I’m dead without that phone. Too many plans are in flux at the conference in Reno. I’m sure the texts and voicemails are piling up. “Where is he?!!” people are surely saying.   

Only one thing to do: Drive back down that two-mile stretch of Woodruff Lane, back to Highway 70, and hope the cell phone shows itself either lying on the pavement or along the ditches. Would it survive its tragic fall? Flattened by another vehicle on the road? Slowly I drive, retracing my route, scanning all surfaces.

Alas, no phone. I parked the truck and decided to walk. You can’t see down into the ditches while driving. I’ll walk the distance of two roadside telephone poles, peering into the ditch on one side of the road, then cross the road, and repeat on the other side. The ditches are variously watery, steep-banked, thickly brambled, wide, narrow, barbed-wired. I’m biting my lips and flexing my knuckles. C’mon phone! I need you! I’m stranded without you. I can’t even call anyone from a landline, should I find one, because I don’t remember phone numbers anymore.

A guy walks down his driveway. His house is the only one on that stretch of Woodruff Lane. 

“You okay?” he asked. He’s wiping his hands on a mechanic’s rag. “Can I help you?” 

I explain my dilemma. “I have a bike you can use,” he says. I laugh. Silly. A bike. Wait. A bike! 

I got on his bike and rode the roadsides, covering a lot more ground now, still with a good view of the ditches. I found a glove, some shoes, hats, beer cans, whiskey bottles, and sadly, a dead dog facing downhill on a steep embankment. He looked like my dog, Bear, thick and brown. 

An hour later, anxiety level rising, I returned the man’s bike. “I rode the whole length, no phone,” I said. 

“Too bad,” he said. “I don’t bother with those cell phones myself. People are addicted to those things.”

I white-knuckle the two-hour drive to Reno and find a cell phone store. The store guy locates my cell phone through the magic of his computer. There’s my phone, a blip on the screen. “Looks like it’s on a road called………. Woodruff Lane,” he says.

“Yeah,” I say, “in a ditch, and I’ll never find it. That ditch is two hours away and I’m out of time. I won’t be back that way for three days.”

I bless the store guy for selling me a new phone. I’m stranded no more.

Funny, no calls or texts were piled up, nobody wondering where I was. No panic but my own.

At the conference center, I tell a friend my horrible experience of cell phone separation anxiety. She nods, apparently not feeling the pain of my story.

I stare at my new phone. People get addicted to these things.

Going Downhill

Every Fall people ask if I’ll print “that story about the roofer guy.” The guy is John James Miskella, local iconic roofer of days gone by, who died 6 years ago. Here’s the story, and here’s to John James:

“Think like a roofer!” said John James Miskella. John James took it personally when people mistreated their roofs. We stood in front of a fifteen-year-old house I sold and John James had just completed the roof inspection. “See all those leaves sitting on that roof?” he said. “Leaves are acidic, dang it, acidic! The acid eats through the mineral coating, destroying the shingles. I can’t believe people let layer after layer of leaves pile up and destroy their roof!” 

John James shook his head as he slid his extension ladder onto the lumber rack on his truck. He stopped mid-slide, and said, “Don’t people understand? The roof is our first line of defense against the elements. Roofers like me take great care installing millions of shingles for the people’s protection! One defective shingle and you get water seeping into the sheathing and rafters, rotting out the framing, and then dripping into your house! Look at those leaves piled up there. This moron single-handedly turned a thirty-year roof into a fifteen-year roof just by ignoring simple maintenance.”

I thought smugly of myself sweeping the leaves off my roof with my push-broom, a commercial variety, with a wide brush made of stiff bristle. I could move a lot of leaves with that broom. Even the deepest layer of leaves, the ones glued to the roofing, came off under the force of that commercial push-broom.

“Worse than the leaves are these idiots with their commercial push-brooms,” said John James. “They brush so hard; they rip the mineral coating clean off the surface and ruin their own roof! Idiots!”

I shook my head as if to say: How could there be such idiots?

Actually, I had recently obtained a commercial-variety leaf-blower which made the job even easier. The leaf-blower made it possible to blow leaves in all directions, not just downhill as with the push-broom. 

“Worse than the idiots with their push-brooms,” said John James, “are the maniacs with their commercial-variety leaf-blowers.”

“Oh?” I said innocently, “How could a leaf-blower hurt the roof?”

He looked at me like I was an idiot. “Look,” he said, “these maniacs with their leaf-blowers push the leaves in all directions instead of the proper direction: Downhill!”

“So?”

“So?” he mocked. “So when they blow the leaves sideways and uphill, they force the leaves and grit under the shingles where it rots and destroys the most vulnerable part of the roofing. Can’t they see the shingles flapping under the force of the air from that machine?”

In my mind, I saw a picture of myself on my roof with my leaf-blower; leaves rocketing in all directions as I grinned maniacally, feeling the power of administering hurricane-force winds. Through the storm of leaves and grit I saw the shingles flapping like wings.

“So, what do we tell these idiots?” I asked. 

“Trim the branches to eliminate leaves in the first place.  Then sweep the leaves gently; or blow them gently: Downhill!” said John James. 

He tapped the side of his head. “Think like a roofer!”

 

The Shaft

“It’s grandfathered in,” said the Listing Agent.

I had called the agent on behalf of my clients, Jenny and Brad, who were writing an offer on her Listing.

“Is there a building permit for the Family Room addition built on to the back of the house?” I asked.

“My sellers say it’s been there forever.”

I passed the news on to Jenny and Brad that the Family Room addition had been “grandfathered in” and we left it at that.

Six months after we closed escrow on the house, Jenny and Brad filed for a building permit to add a bathroom to a section of the Family Room.

Brad called me. “We have a little problem with the house,” he said anxiously. “The Building Inspector who came to the house told us the Family Room is not “grandfathered in”.

The Building Inspector condemned the Family Room and served Jenny and Brad with a notice of Code violation.

When I related the situation to my mentor, KDV, he said, “Looks like you sold your people the gold mine, babe, but they got the shaft.”

I went to the Building Department and talked to the Chief Building Official.

The Chief frowned over the inspection notes and said, “The Inspector says here that the Family Room windows, light fixtures, and construction framing can’t possibly be over forty years old, which is the age it needs to be to qualify as ‘grandfathered in’; in other words, it wasn’t constructed before building permits were required, so it is illegal.”

The Chief told me that Jenny and Brad were required to submit a set of architectural plans and pay the fees to process the permit, but because Jenny and Brad didn’t cause the violation in the first place, the fees were less than they would be if the Family Room were being constructed new.

I hired an architect, we submitted the plans to the Building Department, and the Inspector came back for a one-time “Special Inspection”.

As it turned out, the Family Room was well-constructed and in compliance with Building Code, except for one thing: the walls were placed on the old original patio concrete slab with no perimeter foundation footings. The only solution was to dig trenches under the walls and pour a new concrete foundation two feet deep and one foot wide.

KDV stopped by the house and found me on my knees, shovel in hand, digging trenches.

“So you did sell your people a gold mine, babe,” he said “but you get to dig the shaft.”

No Cell Phone

Cell phones are great, but they deprive people of monumental moments in life. For instance, if I’d had a cell phone the day I ran out of gas on the Oro Bangor Highway, I never would have experienced the monumental moment in which I met the Meanest Man on Earth.

That day I sputtered to the side of the road on that deserted stretch of highway when the temperature reached 110 degrees, instead of wondering if I would live to see another cold beer, I would have simply whipped out my cell phone and called my buddy Tim, who is never far from a can of gas, not to mention a cold beer.

But cell phones had not been invented, so no option existed other than to start hoofing down the Oro Bangor Highway in search of a friendly face. I saw none except for the face of a cow, or maybe it was a bull. We were both too hot to care about the difference.

An hour later, dehydrated, disoriented, and delirious, I veered down a dirt road and came upon a residence surrounded by a barricade made of crisscrossed strands of barbed wire and warped sheets of corrugated metal. Four or five “Keep Out” and “No Trespassing” signs, perforated with bullet holes, dangled here and there.

I realized a shadow in the corner of the front porch was a man sitting in a tiny chair. Actually, the chair wasn’t tiny. The man was huge. He wore overalls with no shirt, and he had a bald head the size of a watermelon. He stood up, and the instant he did, two Redbone hounds shot at me with outstretched teeth and slobbering lips.

“Hut!” said the man, and the hounds slid to a halt. They stood on guard, watching me through droopy bloodshot eyes.

I smiled hopefully and blabbered, “I’m a Realtor…listing a property up the road….ran out of gas…..sure is hot…ha ha….. maybe I could use your phone.…?”

My smile faded as the man stared at me.

“Well I’m not sellin’,” he said, and went inside.

I stood weaving and wobbling in the heat, in disbelief. “That’s it?” I thought. “Kill me or help me, but don’t do nothing.” That was a double-negative, but that’s how I felt.

“That’s gotta be the meanest man on earth,” I muttered to the Redbones. They weaved and wobbled in the heat, and nodded in agreement. I eventually tiptoed backwards, then turned and trudged back up the dirt road.

A pickup passed on the highway and came to a stop a few yards in front of me. I recognized the watermelon-head at the wheel. The Redbones in the back of the pickup recognized me, and bayed and bellowed and slobbered.

The man lumbered out and beckoned to me.

“Git in,” said the man. I moaned hoarsely through cracked lips.

“I’m Harold Robbins,” he said, shaking my hand as I got in the truck. “Here, you better drink some cool water.” He opened a cooler and handed me a thermos. Then he pulled out a sandwich and a piece of pie.

“You took off before I got the gas can loaded in the pickup, partner. A man could die in this heat!”

We pulled up to my car and Harold gassed it up. Then he smiled and reached in the cooler and pulled out a cold beer.

Good thing I didn’t have a cell phone that day. I would have missed a monumental moment in life.

I never would have met the Nicest Guy in the World.

Design a site like this with WordPress.com
Get started