en　for　bad　service　and　plain　about　paying　a　broker　3　to　7　percent。　They　enjoy　tipping　people　in　the

expense　column　and　stiffing　people　in　the　asset　column。　That　is　not　financially　intelligent。

All　brokers　are　not　created　equal。　Unfortunately；　most　brokers　are　only　salespeople。　I　would　say　the　real　estate　salespeople　are　the　worst。

They　sell；　but　they　themselves　own　little　or　no　real　estate。　There　is　a　tremendous　difference　between　a　broker　who　sells　houses　and　a　broker　who　sells　investments。　And　that　is　true　for　stock；　bond；　mutual　fund　and　insurance　brokers　who　call　themselves　financial　planners。　As　in　the　fairy　tale；　you　kiss　a　lot　of　frogs　to　find　one　prince。　Just　remember　the　old　saying；　〃Never　ask　an　encyclopedia　salesperson　if　you　need　an　encyclopedia。〃

When　I　interview　any　paid　professional；　I　first　find　out　how　much　property　or　stocks　they　personally　own　and　what　percentage　they　pay　in　taxes。　And　that　applies　to　my　tax　attorney　as　well　as　my　accountant。　I　have　an　accountant　who　minds　her　own　business。　Her　profession　is　accounting；　but　her　business　is　real　estate。　I　used　to　have　an　accountant　that　was　a　small　business　accountant；　but　he　had　no　real　estate。　I　switched　because　we　did　not　love　the　same　business。

Find　a　broker　who　has　your　best　interests　at　heart。　Many　brokers　will　。'；　spend　the　time　educating　you；　and　they　could　be　the　best　asset　you　find。　Just　be　fair；　and　most　of　them　will　be　fair　to　you。　If　all　you　can　think　about　is