Understanding All Aspects Of Your Realtor’s Qualifications

Submitted by: Darrell Self

It is a common misperception that realtors simply decide to become realtors — that perhaps they are trained more or less through the apprentice method, shadowing and learning from a “elder” in the field before going out on their own. Nothing could be farther from the truth.

First, individuals entering the field of real estate must take a course approved in their state to qualify for a real estate license. In Texas this involves more than 200 hours of in-class instruction in legal fundamentals, contracts, mathematics, property management, appraisals, and a host of related topics.

Once licensed, there are a variety of professional designations and certifications a realtor may earn. The vast majority of realtors avail themselves of this advanced training and coursework. In addition, all local realtor’s associations provide continuing education courses to keep their members abreast of changes in the law, in property transaction procedures, and other topics pertinent to their daily work with both buyers and sellers. MCE or mandatory continuing education is required (as the name implies) to continue to maintain one’s state real estate license.

If you see letters behind a realtors name, but have no idea what they mean, some of the most common include (but are not limited to):

** Accredited Buyer Representative (ABR) **

In order for a realtor to earn the ABR designation, they must complete a two-day Real Estate Buyer’s Agents Council (REBAC) core course, the REBAC web-based course, instruction delivered via satellite television, and an elective. After passing a written exam, the candidate must also prove they have fulfilled the practical experience requirements and are a member in good standing of REBAC and of the National Association of REALTORS.

** Certified Residential Specialist (CRS) **

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Fewer than 4 percent of realtors earn this certification, which is the highest that can be obtained by a sales associate. It has been in existence since 1977 and is based on a set of exacting requirements, including the completion of 75 transactions over a five-year period or the amassing of $25,000,000 in sales in five years.

** Graduate, Realtor Institute (GRI) **

Realtors who work in the field of residential real estate can earn this designation. It represents a particularly substantial education program of 90 hours of course work on a range of topics from real estate law to marketing and property servicing.

** e-Pro Internet Professional **

This designation was created to help real estate professionals stay abreast of the rapidly changing technology applicable to their field. e-Pro certified realtors have learned out to best make use of an online presence, effectively work with email communication, create web-based marketing strategies, and handle such tools as PDAs, smart phones, and digital cameras.

** Seniors Real Estate Specialist (SRES) **

Realtors with the SRES designation have received special training in working with clients age 50 years and older. They have targeted training in retirement income considerations effecting financing and the fine points of housing options in age-restricted and other special communities. They are also schooled in reverse mortgages, 401k accounts, pensions, and IRAs and the implications of all transactions as they relate to Medicare, Medicaid, and Social Security benefits.

** Understand All Aspects of Your Realtor’s Qualifications **

Because your home may be listed for months or you may need that length of time to find just the right property to buy, you are entering into an intimate business relationship when you select a realtor. Most people choose a real estate professional based on word of mouth, which is a valid source. A good recommendation from someone who has worked with the realtor and enjoyed a good experience is worth its weight in gold.

At the same time, the more you understand your realtor’s qualifications, the more you will trust their advice and guidance in both buying and selling property. Never hesitate to ask your realtor for:

– References. If one word-of-mouth recommendation is good, several are better and will give you even more peace of mind.

– Properties bought and sold. You’ll want to know the kinds of properties with which your realtor has worked on each side of the transaction. This will also give you a sense of the parts of the community in which they have worked most extensively.

– Resume. This should not only include professional job affiliations, but also certifications and designations earned. If you don’t understand what those items mean, ask or go online and do some research.

Additionally, you may want to read a copy of the National Association of REALTORS Code of Ethics, a document adopted in 1913 and to which all professional realtors are bound. The important thing for you to understand is that you are working with an educated real estate professional who adheres to a code of behavior that emphasizes honesty and responsibility.

While all realtors will likely point to a mentor who “showed them the ropes” and helped them to learn the daily ins and outs of the business, real estate is not an apprentice-based business

nor is it one that can be entered into on a whim without proper training.

REALTOR

is a registered trademark of the National Association of Realtors.

About the Author: If you’re buying or leasing a home in Dallas | Fort Worth Texas(DFW), Darrell Self can help you. Are you searching forFrisco Texas real estate? If so, find properties here:

dmdrealtydfw.com/frisco-homes-for-sale/

Are you relocating to Dallas? Then, visit

dmdrealtydfw.com/

.

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Late-night vote sets Obamacare up for filibuster-free repeal

Saturday, January 14, 2017

At 1:30 a.m. on Thursday morning the United States Senate voted to include the repeal of the Affordable Care Act, better known as Obamacare, as part of a budget blueprint. This procedural measure allows most of Obamacare to be repealed by a simple majority rather than the usual requirement of 60 out of the senate’s 100 votes and effectively prevents the use of filibuster.

“We’re working with legislative leaders at this very moment to begin to craft legislation that will repeal the most corrosive elements of Obamacare — the individual mandate, the taxes, the penalties — but at the same time, moving separate legislation that will allow us to introduce the kind of reforms in American health care that’ll lower the cost of health insurance without growing the size of government,” said Vice President-elect Mike Pence.

Democratic Senator Maria Cantwell of Washington had a different view, going so far as to call this “stealing health care from Americans.”

The filibuster is a last-ditch tactic in which parties opposed to a certain motion refuse to relinquish the floor until their opponents give in or compromise.

Although the 51-48 vote was mostly along party lines, some Republicans have expressed uncertainty about repealing Obamacare before a replacement system is worked out. Although president-elect Donald Trump has called for a “repeal and replace” plan, saying that a new health care system would be enacted “almost simultaneously,” many in government and the press have expressed doubts about whether this would actually happen.

Senator Susan Collins of Maine said she would like to at least see a well-constructed plan before voting and Senator Johnny Isakson of Georgia said repealing Obamacare without replacing it was “unacceptable.” These concerns were shared by members of the House of Representatives. “We need to be voting for a replacement plan at the same time that we vote for repeal,” added Representative Mark Meadows of North Carolina. Representative Tom MacArthur of New Jersey agreed, saying, “We’re loading a gun here. I want to know where it’s pointed before we start the process.”

Anna Merlan of Jezebel and Anthony Taylor of the Associated Press dismiss Trump’s timeline as “impossible” given the complicated nature of U.S. congressional workings. Senator Collins agreed, saying “I don’t see any possibility of our being able to come up with a comprehensive reform bill that would replace Obamacare by the end of this month. I just don’t see that as being feasible.”

The Affordable Care Act, which is often cited as a key accomplishment of the Obama administration, has had a mixed reputation, and many conservatives believe a market-based health care system would be more flexible and efficient and less costly, and many believe that the Affordable Care Act only passed because of Obama’s later discredited pledge that no one who liked their current health plan would have to switch. Matt O’Brien of The Washington Post claims a large tax cut that would result for the wealthiest 1% of citizens if Obamacare funds were not converted to other purposes, estimated at about $32,820 annually per person by the Tax Policy Center, is also a significant motive.

Republican Senators set a date of January 27 to repeal Obamacare, according to NBC News. House Majority Leader Kevin McCarthy of California says legislation repealing Obamacare and replacing it could ready by late February. According to Democratic Senator Bernie Sanders, as many as 30 million people could lose their health insurance if the ACA is repealed.

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Mother, daughter accused of stealing of husband’s $3.5 million lottery ticket

Saturday, October 4, 2008

On April 4, 2008 Bobbi-Jo Arnold, accompanied by her mother Mary Patricia Moore and other family members, claimed a $3.5 million lottery ticket win in Toronto. On October 2 the two women were arrested by Ontario Police. Both are facing charges including fraud over $5000, possession of property obtained by crime, false pretenses and uttering a forged document. They allegedly stole the ticket from Moore’s then-husband.

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The question is really he said/she said in a divorce case. If he is trying to claim the daughter’s ticket, is he as evil as his wife would be if she stole the ticket from her husband?
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The family dispute has led to Ms Moore (59) filing for divorce from her husband of ten years, Gerald Moore (81), in August. Mr Moore alleges Ms Arnold received the ticket from her mother, who took it from his bedside table. He further alleges his wife “manipulated” his medications to leave him incapable to grasp what was occurring. The Ontario Lottery and Gaming Corporation is also named in Mr Moore’s civil suit for alleged negligence in investigating Ms Arnold’s claim.

The bail judge’s order requires Ms Moore to live with her daughter Arnold in a home she purchased with the lottery winnings, and not with her husband. As well, both women are ordered not to leave Essex County, Ontario and to surrender their passports to the police.

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Council of Australian Governments agree on reduced environmental regulation

Saturday, December 14, 2013

At a meeting of the Council of Australian Governments yesterday leaders of the Australian states and territories agreed to a deal with Australian Prime Minister Tony Abbott which would delegate more environmental decision-making powers to the states and territories about projects that might affect the environment. The “one-stop shops” policy would mean that the states would do more of the assessments for projects with the intention that eventually some states would have the full authority to make the decisions.

Two states, Queensland and New South Wales, have agreed with Abbott a policy of “assessment bilaterals”. Abbott described them as follows: “Under those assessment bilaterals the states will do all the assessment work and we hope that in the not-too-distant future we will have approvals bilaterals in place which will mean the states will not only do the assessment but will also do the approvals.” All of the states and territories signed memoranda of understanding with the federal government on the issue of environmental regulation.

Tony Abbott argued it would not harm the environment and the “same high standards of environmental approval” would be used, but decisions would be quicker. The Australian government would still hold the power of veto over projects they deem environmentally problematic.

The Business Council of Australia welcomed the move, saying the regulation changes were a “long overdue breakthrough”.

The Australian Green Party has condemned the policy. Senator Larissa Waters, environment spokeswoman for the Greens, told reporters: “These deals pave the way for Tony Abbott to abolish a 30-year-old federal safeguard for our most precious natural places and wildlife, established when Bob Hawke stepped in to save the Franklin from being dammed […] Labor governments in South Australia, Tasmania and the ACT are trashing Bob Hawke’s legacy and contradicting federal Labor’s position”.

She continued: “Tony Abbott wants to put states and territories in charge of approving environmentally destructive projects that impact our World Heritage Areas and nationally endangered species.”

Jess Abrahams from the Australian Conservation Foundation also expressed opposition to the changes: “The memoranda of understanding signed today paves the way for the undoing of 30 years of national protection for places and species of national environmental importance”.

The Council also discussed truancy by indigenous students and the National Disability Insurance Scheme.

Retrieved from “https://en.wikinews.org/w/index.php?title=Council_of_Australian_Governments_agree_on_reduced_environmental_regulation&oldid=3578685”

Creating Beautiful Stained Doors

bytimothyharvard

When buying top quality, hand crafted exterior doors, it is always important to consider having the stain put on the door at the company. This is particularly true if the door has sidelites, a transom or both as these are considerably more complicated to stain perfectly to the same color of the stained doors without proper experience.

However, even if you do buy stained doors from the company, there will come a time when the stain needs to be redone. This will depend on the exposure of the door to direct sun, rain and wind as well as the wear and tear on the door over time.

Removing Doors

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The key to getting stained doors to have a beautiful, uniform application of stain without streaking or running is to remove the door before doing any work. This is done by removing the hinges and then placing the door on a flat surface.

Do not use an uneven surface as this can damage the door. It can also cause the door to rub in some areas and scratch and damage the wood or the glass.

Remove the Old Stain

Use the stain remover recommended by the company. Stained doors will need to be stripped of the old stain and then washed and sanded before new stain is applied. Sanding is used to create a smooth, uniform surface which will take the new stain and create a consistent color.

Always make sure the door completely dries between each step and remove any grit or debris from sanding with a soft cloth. The cleaner and smoother the door is, the better the final result with stained doors of any wood type.

Apply the New Stain

When choosing stain for your stained doors use a stain type recommended by the door manufacturer. Apply the stain according to directions, working in small areas, and completing the entire door at one time. Avoid doing only parts of the door as this will cause irregular coloration.

Allow the stain to dry completely before applying the varnish or sealant to stained doors. The sidelites and transom will be done using the same process, but they will not be taken down to prepare and stain.

If you are not comfortable with the process, most carpenters and painters can also complete your stained doors. Be sure to ask about their experience and expertise to ensure they can do the job the way you want it done.

Let us handle the stain on all the stained doors from our extensive online inventory. As the first door company to sell doors online, we have the experience to make your door look beautiful. To learn more visit Nick’s Building Supply, Inc. or go to www.nicksbuilding.com. You can also visit our Facebook page for more information.

Danish Integration Minister’s car burned

Wednesday, June 8, 2005

Copenhagen, Denmark – The Danish Integration Minister Rikke Hvilshøj’s car was set ablaze outside her family-home on the morning of Wednesday 8 June. From there, the fire spread to the family’s garage, and further on to the side of the house, damaging the roof above the kitchen and children’s room.

At the same time, an e-mail was sent to several media agencies, where a group calling themselves “Action Group Beate” claimed responsibility, saying it is a “protest against the racist immigrational laws of Denmark”. The police found the computer used for sending the mail within a few hours, and closed down the cybercafé whilst removing the computer.

Throughout the Danish political system politicians from both the ruling party and the opposition have expressed their outrage over the terrorism.

The insurance company is currently assessing the amount of damage done to the home, but so far they have made an estimate of £27.000, just for the house damages.

Retrieved from “https://en.wikinews.org/w/index.php?title=Danish_Integration_Minister%27s_car_burned&oldid=1846824”

‘The Administrators were a disaster for the Shire’: Wikinews interviews Lindsay Love, Tarwin Valley ward candidate in South Gippsland, Australia

Sunday, September 26, 2021

Nominations were declared on Tuesday for South Gippsland Shire’s upcoming council elections, to be held by post from October 5-22. A total of 24 people in the Australian council’s three wards have put themselves forward to stand as candidates. The shire has been governed by administrators appointed by the Victorian state government since August 2019, when the council was sacked after a state government inquiry found “high levels of tension” within the council.

Wikinews interviewed one of the candidates standing in this election, Lindsay Love, via email. Love is contesting the Tarwin Valley ward, which elects three councillors to the South Gippsland Shire Council, and includes the towns of Leongatha and Mirboo North. In addition to her answers to the questions from Wikinews, Love also provided the following statement in regards to the state of the council:

“I also note that the Council satisfaction rating has been dismal for over ten years. That is a period covering various Council terms and the Administrators. The only constant has been the Administration. That would suggest that to improve the culture the change needs to be in the Administration. That means the Council has to operate like a corporate Board and give the CEO the required directions to effect a change.”

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Chase Refinance Options For Applicants With Bad Credit

By Sean A. Kelly

The recent global recession may have affected the lives and finances of many people worldwide. Our country was not immune to the recession either. With many people losing their source of income and nose-diving property value, more and more people are facing the problem of bad credit. When that happens it may be difficult for you to refinance your home. It may prove to be quite a dilemma because you wish to refinance your home so you could be able to pay off your mortgage before it becomes delinquent but on the other hand your bad credit may prevent mortgagers from approving your application. However, there may be some agencies like Chase Refinance who provide options for people with bad credit who wish to refinance their homes.

Chase Refinance does provide options for applicants with poor credit who are very likely in financial trouble. Logically, if you have poor credit you may wish to refinance your home so that you may eliminate or consolidate your debts so that they become more manageable and less intimidating. However, Chase is a bank and banks run businesses. Businesses are set up to gain profit. Poor credit may reflect that the applicant might not be giving the bank any profit because there is the risk of such applicants not paying back the money they owe. This may be the reason that even though banks like Chase do allow poor credit refinancing they may tighten the reins a bit to minimize the risk of even more delinquent debts. At the same time, as an applicant you may not want to appear desperate even if you actually are. This may give your bank the upper hand instead of the other way around.

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If you already have a mortgage with Chase it may be easier for you to apply for a bad credit refinance. However, it may be advisable that you try to improve your credit score at least a little bit if you with to refinance Chase mortgage. This small step that you take to ensure that your credit score shows a slight upward movement may demonstrate your willingness to improve your finances to convince any Chase representative that you are going to take responsibility for the mortgage refinance you may be applying for. You may take small steps to improve your credit score by making sure you pay your bills on time and also paying off your credit card debts as quickly as you are financially able to. Chase may run credit background check to see if your poor credit score is due to continuous bad habit or a one-time misfortune because of the global recession. So it may be a good idea for you to keep your credit score rising.

The reason many people decide to refinance mortgages even when they have poor credit may be to repair their own credit history. Refinancing may allow your interest rate to drop by a few points thus making the monthly repayment amount more affordable. Refinancing options may often be tailored to every individual’s current financial situation so once a formula is set to suit your financial capability you may be more likely to make consistent payments. Once you start to consistently make payments your credit score may slowly increase and the positive inclination may prove that you walk the talk. A more favorable fixed interest rate may be more beneficial for you if you decide to refinance your home so that you may retain your agreed interest rate even if the market trend for interest rates shows signs of increasing.

Refinancing may help many people with poor credit to at least gain a little bit of control over their finances. It may not be the best solution for everyone with bad credit because what works for someone else may not work for you. So if you are contemplating on refinancing your home even with poor credit you may want to make sure that you have everything planned out to avoid any future mistakes.

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NHL: Vancouver Canucks showcase new uniform

Thursday, August 30, 2007

The Vancouver Canucks, hockey team to Vancouver, British Columbia, unveiled it’s new home and away uniforms today. Keeping the trade-mark Orca, the jersey has remixed the colors as well as adding a green stripe for both the home and away uniforms. This is the 5th jersey the team has gone through since 1970 when the team was founded.

The redesign has been met with some criticisms. John Carter a graphics arts instructor at a local college was quoted as calling the redesign an “utter disappointment.”

The design uses the same core colors in the original design, and on the back it also has their original jersey’s hockey stick symbol. The president and CEO of the Canucks, Chris Zimmerman, recognizes this saying, “Our goal when we set out was to celebrate our heritage and to design a sweater that reflects our extraordinary city and province. “We wanted to unveil a sweater that reflects our past and our future.” Zimmerman also went on to say the design represents, “who we are and the connection to the community.”

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Looted, possibly contaminated body parts transplanted into USA, Canadian patients

Monday, March 20, 2006

Fears of contaminated bone and skin grafts are being felt by unsuspecting patients following the revelation that funeral homes may have been looting corpses.

Janet Evans of Marion, Ohio was told by her surgeon, “The bone grafts you got might have been contaminated”. She reacted with shock, “I was flabbergasted because I didn’t even know what he was talking about. I didn’t know I got a bone graft until I got this call. I just thought they put in screws and rods.”

The body of Alistair Cooke, the former host of Masterpiece Theatre, was supposedly looted along with more than 1,000 others, according to two law enforcement officials close to the case. The tissue taken was typically skin, bone and tendon, which was then sold for use in procedures such as dental implants and hip replacements. According to authorities, millions of dollars were made by selling the body parts to companies for use in operations done at hospitals and clinics in the United States and Canada.

A New Jersey company, Biomedical Tissue Services, has reportedly been taking body parts from funeral homes across Brooklyn, New York. According to ABC News, they set up rooms like a “surgical suite.” After they took the bones, they replaced them with PVC pipe. This was purportedly done by stealth, without approval of the deceased person or the next of kin. 1,077 bodies were involved, say prosecutors.

Investagators say a former dentist, Michael Mastromarino, is behind the operation. Biomedical was considered one of the “hottest procurement companies in the country,” raking in close to $5 million. Eventually, people became worried: “Can the donors be trusted?” A tissue processing company called LifeCell answered no, and issued a recall on all their tissue.

Cooke’s daughter, Susan Cooke Kittredge, said, “To know his bones were sold was one thing, but to see him standing truncated before me is another entirely.” Now thousands of people around the country are receiving letters warning that they should be tested for infectious diseases like HIV or hepatitis. On February 23, the Brooklyn District Attorney indicted Mastromarino and three others. They are charged with 122 felony counts, including forgery and bodysnatching.

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