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Has Anyone Completed A 3.6 Yet

So I asked AI for the major security breaches of personal information during the past year, and it's a doozey! Everybody who thinks their password-protected info is safe are/will be victims. The techies are more clever than most of us. No matter what the GSEs say about the info being secure, it absolutely is NOT!

Between June 11, 2025, and June 11, 2026, over 3,300 data compromises occurred in the U.S.. Driven by infostealer malware, compromised credentials, and third-party vendor exposures, several high-profile nationwide data breaches exposed hundreds of millions of personal records. [1, 2, 3]
Major nationwide incidents during this period include:
  • Mass Credential Dump: In June 2025, over 16 billion stolen passwords and user logins from Google, Apple, and Facebook were leaked from malware-infected devices. [1]
  • National Public Data: This background check service experienced a breach exposing the Social Security numbers, names, and addresses of up to 170 million people in the U.S. [1]
  • Identity Theft Resource Center (ITRC) Data: The ITRC recorded a historic 3,322 breaches affecting nearly 279 million individuals nationwide, with a notable spike in attacks on third-party cloud integrations. [1, 2, 3, 4]
  • ADT: In April 2026, an extortion group breached ADT's cloud environment, exposing personal information for 5.5 million customers. [1]
  • McGraw-Hill: An April 2026 third-party Salesforce environment compromise exposed 13.5 million student and educator records. [1]
  • Amtrak: April 2026 saw the exposure of 2.1 million Amtrak records after a third-party vendor breach. [1]
  • Navia Benefit Solutions: An exposed API in December 2025 resulted in the theft of 2.7 million records, including SSNs and health plan information. [1, 2]
  • Aflac: In June 2025, an attack on internal systems exposed customer and agent details, including Social Security numbers. [1, 2]
  • Match Group: Early in 2026, hackers accessed the internal documentation and user records of platforms like Tinder, Hinge, and OkCupid, potentially exposing 10 million records. [1]
  • TransUnion: In July 2025, a breach of TransUnion systems exposed the names, dates of birth, and SSNs of 4.4 million customers. [1, 2]
 
I have not even received bid/one quote yet for 3.6, and overall residential volume is super low so far. Oh well, 3 more months then I’ll be qualified to sit for my cpa exam
I am not going to sit on the tracks and wait for this runaway train.
If all the elders decide to retire and there is a vacuum, that’s great…. I’ll be an appraiser AND CPA. But right now, I’m committed to a pivot.
 
Have you registered for the 2026 OCAP Real Estate Appraisal Seminar yet?

June 16, 2026
9:00 AM – 5:00 PM (Doors open 7:30 AM)
The Ohio State Fawcett Center | Columbus, Ohio


Don't miss one of the premier appraisal and real estate education events in the region!

✅ 7 Hours CE Approved for OH, KY & IN
✅ 6 Hours Ohio Real Estate Credits
✅ Industry-leading speakers and timely updates
✅ Networking with appraisers, agents, lenders, and industry professionals
✅ Coffee, light breakfast, and lunch included

Hear from an outstanding lineup of experts, including:
• Scott Reuter, Freddie Mac
• Jerry Yurek, The Appraisal Foundation
• Isaac Peck, OREP
• Jake Lew, Aivre
• Ohio Superintendent Daphne Hawk
• Craig Capilla
• Mel Black
• Rick Hamilton

Registration:
• Members: $175
• Non-Members: $295

As OCAP celebrates its new partnership with The Appraisal Foundation, there has never been a better time to connect, learn, and stay ahead of the changes shaping our profession.

:rof:
 
Have you registered for the 2026 OCAP Real Estate Appraisal Seminar yet?

June 16, 2026
9:00 AM – 5:00 PM (Doors open 7:30 AM)
The Ohio State Fawcett Center | Columbus, Ohio


Don't miss one of the premier appraisal and real estate education events in the region!

✅ 7 Hours CE Approved for OH, KY & IN
✅ 6 Hours Ohio Real Estate Credits
✅ Industry-leading speakers and timely updates
✅ Networking with appraisers, agents, lenders, and industry professionals
✅ Coffee, light breakfast, and lunch included

Hear from an outstanding lineup of experts, including:
• Scott Reuter, Freddie Mac
• Jerry Yurek, The Appraisal Foundation
• Isaac Peck, OREP
• Jake Lew, Aivre
• Ohio Superintendent Daphne Hawk
• Craig Capilla
• Mel Black
• Rick Hamilton

Registration:
• Members: $175
• Non-Members: $295

As OCAP celebrates its new partnership with The Appraisal Foundation, there has never been a better time to connect, learn, and stay ahead of the changes shaping our profession.

:rof:

Good God, what in the hell has this profession come to? :rof:
 
I have not even received bid/one quote yet for 3.6, and overall residential volume is super low so far. Oh well, 3 more months then I’ll be qualified to sit for my cpa exam
I am not going to sit on the tracks and wait for this runaway train.
If all the elders decide to retire and there is a vacuum, that’s great…. I’ll be an appraiser AND CPA. But right now, I’m committed to a pivot.
Smart
 
Okay pal.

I'm a licensed appraiser (two years left until I can get certified) and it hasn't been easy getting added to panels and getting work.
So as a young appraiser trying to put food on the table, I sincerely apologize for trying to make a living. Honestly really stupid of me.
Since we are pals, I'll offer you some advice. Your compensation should reflect your contribution, not your willingness to settle. Your fee is more than your paycheck—it's part of the benchmark that protects the value of everyone's work in this industry. Increase your fees to a respectable level and you'll have more food on your table.
 
Since we are pals, I'll offer you some advice. Your compensation should reflect your contribution, not your willingness to settle. Your fee is more than your paycheck—it's part of the benchmark that protects the value of everyone's work in this industry. Increase your fees to a respectable level and you'll have more food on your table.
I will preface this by saying I am 100000% not defending AMCs....

But if I raise my fees anything significant, there's no food on the table.

Fee shopping is prohibited by every AMC does it and gets away with it by asking for quotes or having you set your fees ahead of time. I promise you.... because I've had this conversation with several AMCs, if I raised by 1004 fee $50, I will lose my auto assigned orders and might get 1 quote out of every 10.
 
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