Sentences with phrase «estate commission consumer»

Texas Real Estate Commission Consumer Protection Notice Texas Real Estate Commission Information About Brokerage Services

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Texas Real Estate Commission Information About Brokerage Services Texas Real Estate Commission Consumer Protection Notice

Texas Real Estate Commission Consumer Protection Notice: http://www2.trec.state.tx.us/TrecInternet/Uploads/Draft/CN%201-2.pdf Texas Real Estate Commission Information About Brokerage Services: https://www.trec.state.tx.us/pdf/contracts/IABS1-0.pdf

Not exact matches

Actual results could differ materially from those expressed in or implied by the forward - looking statements contained in this release because of a variety of factors, including conditions to, or changes in the timing of, proposed real estate and other transactions, prevailing interest rates and non-recurring charges, store closings, competitive pressures from specialty stores, general merchandise stores, off - price and discount stores, manufacturers» outlets, the Internet, mail - order catalogs and television shopping and general consumer spending levels, including the impact of the availability and level of consumer debt, the effect of weather and other factors identified in documents filed by the company with the Securities and Exchange Commission.

Attorney General Bob Ferguson filed a consumer protection lawsuit today against CLA Estate Services, Inc. and CLA USA, Inc. for operating a «trust mill» by misleading hundreds of Washington seniors about estate planning, and persuading them to purchase high - commissEstate Services, Inc. and CLA USA, Inc. for operating a «trust mill» by misleading hundreds of Washington seniors about estate planning, and persuading them to purchase high - commissestate planning, and persuading them to purchase high - commission...

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

(B) «Credit repair services organization» does not include: (i) Any person authorized to make loans or extensions of credit under the laws of this state or the United States who is subject to regulation and supervision by this state or the United States; (ii) Any bank or savings and loan institution whose deposits or accounts are eligible for insurance by the Federal Deposit Insurance Corporation or the Savings Association Insurance Fund of the Federal Deposit Insurance Corporation; (iii) Any nonprofit organization exempt from taxation under Section 501 (c)(3) of the Internal Revenue Code of 1986; (iv) Any person licensed as a real estate broker by this state if the person is acting within the course and scope of that license; (v) Any person licensed to practice law in this state if the person renders services within the course and scope of his or her practice as an attorney; (vi) Any broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission if the broker - dealer is acting within the course and scope of those regulatory agencies; or (vii) Any consumer reporting agency as defined in the federal Fair Credit Reporting Act (15 U.S.C. 1681 - 1681t).

Ontario on Wednesday passed new legislation with the goal of protecting consumers when it comes to door - to - door sales pitches, debt settlement services, real estate transactions, and real estate fees and commissions.

«This gives consumers more power when working with a real estate professional by allowing home sellers and buyers to negotiate a combination of fees and commissions, tailoring the cost to the services they want,» reads a government - issued backgrounder.

(1) The following shall be exempt from the Credit Services Organization Act: (a) A person authorized to make loans or extensions of credit under the laws of this state or the United States who is subject to regulation and supervision by this state or the United States or a lender approved by the United States Secretary of Housing and Urban Development for participation in a mortgage insurance program under the National Housing Act, 12 U.S.C. 1701 et seq.; (b) A bank or savings and loan association whose deposit or accounts are eligible for insurance by the Federal Deposit Insurance Corporation or a subsidiary of such a bank or savings and loan association; (c) A credit union doing business in this state; (d) A nonprofit organization exempt from taxation under section 501 (c)(3) of the Internal Revenue Code; (e) A person licensed as a real estate broker or salesperson under the Nebraska Real Estate License Act acting within the course and scope of that license; (f) A person licensed to practice law in this state acting within the course and scope of the person's practice as an attorney; (g) A broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission acting within the course and scope of that regulation; (h) A consumer reporting agency; (i) A person whose primary business is making loans secured by liens on real property; (j) A person, firm, corporation, or association licensed as a collection agency in this state or a person holding a solicitor's certificate in this state acting within the course and scope of that license or certificate; and (k) A person licensed to engage in the business of debt management pursuant to sections 69 - 1201 to 69 -estate broker or salesperson under the Nebraska Real Estate License Act acting within the course and scope of that license; (f) A person licensed to practice law in this state acting within the course and scope of the person's practice as an attorney; (g) A broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission acting within the course and scope of that regulation; (h) A consumer reporting agency; (i) A person whose primary business is making loans secured by liens on real property; (j) A person, firm, corporation, or association licensed as a collection agency in this state or a person holding a solicitor's certificate in this state acting within the course and scope of that license or certificate; and (k) A person licensed to engage in the business of debt management pursuant to sections 69 - 1201 to 69 -Estate License Act acting within the course and scope of that license; (f) A person licensed to practice law in this state acting within the course and scope of the person's practice as an attorney; (g) A broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission acting within the course and scope of that regulation; (h) A consumer reporting agency; (i) A person whose primary business is making loans secured by liens on real property; (j) A person, firm, corporation, or association licensed as a collection agency in this state or a person holding a solicitor's certificate in this state acting within the course and scope of that license or certificate; and (k) A person licensed to engage in the business of debt management pursuant to sections 69 - 1201 to 69 - 1217.

-- Personally analyzed over 13,000 consumer credit reports for clients — Register and Bonded to perform these duties — Educational Instructor For Kaplan University — Texas Real - Estate Commission MCE Educational provider — Ebby Halliday Instructor — Fair Credit Reporting Act Certified by the Consumer Data Industry Association — Numerous Guest appearances on local Dallas / Ft Worth TV News Programs — Credit Article Source for: AOL Finance, Credit Cards.com, Bankrate.com, Dun & Bradstreet among manyconsumer credit reports for clients — Register and Bonded to perform these duties — Educational Instructor For Kaplan University — Texas Real - Estate Commission MCE Educational provider — Ebby Halliday Instructor — Fair Credit Reporting Act Certified by the Consumer Data Industry Association — Numerous Guest appearances on local Dallas / Ft Worth TV News Programs — Credit Article Source for: AOL Finance, Credit Cards.com, Bankrate.com, Dun & Bradstreet among manyConsumer Data Industry Association — Numerous Guest appearances on local Dallas / Ft Worth TV News Programs — Credit Article Source for: AOL Finance, Credit Cards.com, Bankrate.com, Dun & Bradstreet among many others.

«Credit Services Organization» does not include any of the following: (i) a person authorized to make loans or extensions of credit under the laws of this State or the United States who is subject to regulation and supervision by this State or the United States, or a lender approved by the United States Secretary of Housing and Urban Development for participation in a mortgage insurance program under the National Housing Act (12 U.S.C. Section 1701 et seq.); (ii) a bank or savings and loan association whose deposits or accounts are eligible for insurance by the Federal Deposit Insurance Corporation or the Federal Savings and Loan Insurance Corporation, or a subsidiary of such a bank or savings and loan association; (iii) a credit union doing business in this State; (iv) a nonprofit organization exempt from taxation under Section 501 (c)(3) of the Internal Revenue Code of 1986, [FN1] provided that such organization does not charge or receive any money or other valuable consideration prior to or upon the execution of a contract or other agreement between the buyer and the nonprofit organization; (v) a person licensed as a real estate broker by this state if the person is acting within the course and scope of that license; (vi) a person licensed to practice law in this State acting within the course and scope of the person's practice as an attorney; (vii) a broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission acting within the course and scope of that regulation; (viii) a consumer reporting agency; and (ix) a residential mortgage loan broker or banker who is duly licensed under the Illinois Residential Mortgage License Act of 1987.

The Australian Competition & Consumer Commission (ACCC) gives tips on dealing with real estate services or call them 1300 302 502.

Alaska Business License No 299754; Loans will be made or arranged pursuant to California Department of Real Estate, CA Mortgage Broker # 01383182; Colorado Supervised Lender License; CT Connecticut Second Mortgage Broker # 13387; FL State Florida Mortgage Broker # 385366; GA Georgia Residential Mortgage Licensee, Mortgage Broker # 19240; MA Mortgage Broker # MB3598; This is not an offer to enter into an agreement, ME Main Loan Broker # CSO6907; MD Maryland Mortgage Lender # 12704; MI Registered in Michigan as Second Mortgage Broker #SL 0010472; NE Nebraska Mortgage Banker # 825; NH Licensed by the New Hampshire Banking Department (Mortgage Broker # 11471 - MBR); Utah Consumer Credit Notification; VA Licensed by the Virginia State Corporation Commission, Mortgage Broker # 2456; WA Washington Mortgage Broker # 510 - MB - 25970; Not licensed in all 50 states.

We have also represented real estate agents accused of unethical conduct in the listing and sale of real estate before the Department of Consumer Protection — Real Estate Division, insurance brokers accused of improper handling of escrow funds before the Insurance Commission, and various other professionals before the State Architectural Licensing Board, the State Board of Examiners for Professional Engineers, the Banking commissioner, and the State Board of Examiners for Nuestate agents accused of unethical conduct in the listing and sale of real estate before the Department of Consumer Protection — Real Estate Division, insurance brokers accused of improper handling of escrow funds before the Insurance Commission, and various other professionals before the State Architectural Licensing Board, the State Board of Examiners for Professional Engineers, the Banking commissioner, and the State Board of Examiners for Nuestate before the Department of Consumer Protection — Real Estate Division, insurance brokers accused of improper handling of escrow funds before the Insurance Commission, and various other professionals before the State Architectural Licensing Board, the State Board of Examiners for Professional Engineers, the Banking commissioner, and the State Board of Examiners for NuEstate Division, insurance brokers accused of improper handling of escrow funds before the Insurance Commission, and various other professionals before the State Architectural Licensing Board, the State Board of Examiners for Professional Engineers, the Banking commissioner, and the State Board of Examiners for Nursing.

In particular, the Commission saw two pieces of legislation that derive from its work reach the statute book: the Estates of Deceased Persons (Forfeiture Rule and Law of Succession) Act 2011 and the Consumer Insurance (Disclosure and Representations) Act 2012.

None of the attorneys in this firm are certified as a Civil Trial, Criminal Trial, Business Bankruptcy, Consumer Bankruptcy, Creditor's Rights, Medical Malpractice, Legal Malpractice, Accounting Malpractice, Estate Planning or Elder Law specialist by the Tennessee Commission on Continuing Legal Education and Specialization.

If all Realtors were trained and licensed as / regarded themselves as and operated as «fee consultants», I would wager that there would be many fewer disillusioned consumers out there regarding «commissioned» real estate «salespeople».

So what of the commission savings to be had that are being heralded by the Competition Bureau Commissioner, as inherent to real estate consumer's being able to do more initially without the involvement of a Registrant / REALTOR — because of access to a VOW?

With so many (too many) entering into the practice of becoming consumers» advisors in the real estate business, without the requisite practice; without the requisite background; without the requisite self - confidence; without the requisite detachment from the commission income mentality, it is no wonder that people such as: the dishwashers; servers; factory workers; truck / cab drivers; teachers; office workers; in general, the young and middle - aged unemployed who can't get a job anywhere else (high school drop - outs) etc. types of the world (none of whom are to be denigrated for their particular positions in the job market... except when they think that they are qualified to become Realtors after attending a few weeks of classes and memorizing answers to questions about which they have absolutely no hands - on experience with which to tie their memorized answers to), will willingly buy into paying someone else to professionally «augment» their individual «realities» on the internet.

DeMars seeks to demystify the homebuying process and its paperwork: She teaches consumers about how real estate agents earn commissions and explains the common scripts agents use.

consumers associate the archetypical Realtor with negative conceptions of mistrust, non-professionalism and inward - looking commission - seeking mercenary behaviours... thanks to CREA's and Organized Real Estate's - in - general top - down best efforts to sell an image that does not in fact reflect the reality of what you guys are in fact pushing onto the public domain in the persons of unprepared amateur - hour short - term commissioned sales hacks.

The essence of FSBO companies is that they want the consumer / seller to believe that they can sell their own home without professional real estate and that by doing so whatever commission they would otherwise have paid will stay in the seller's pocket.

The Sellers filed a complaint with the Connecticut Department of Consumer Protection, Occupational and Professional Licensing Division, Real Estate Commission («Commission»), against the Licensee.

The majority of consumers surveyed in the study said a four to five per cent real estate commission is a more reasonable fee than six per cent.

In my opinion, it is an egregious misrepresentation to suggest or imply to a real estate consumer that a Buyer who is under contract to a Registrant / REALTOR will pay more in commission to said «Buyer Agent» because they might buy a «mere posting», type, property listing!

When it comes to real estate commissions, consumers want to know they're getting solid value.

Toronto real estate brokerage TheRedPin.com says it is «set to fix» a «centuries old business model... with a new program that significantly challenges industry norms by shifting 50 per cent of their sales commissions back to consumers.»

Where else can someone who is working at unskilled things like serving tables, washing dishes, driving a delivery truck, working at an auto assembly plant or other factory, telemarketing at some boring office or who is otherwise working at any minimum wage job due to a lack of education and / or meaningful real - life experience etc., get to go to real estate classes (hoping that a few months thereafter to be guiding uneducated consumers through the most expensive and most important financial transactions of their lives in trade for big fat commissions) often with a minimalist education (maybe just scraped by at that after multiple attempts to pass grade ten or eleven) and expect to instantly be labelled a professional operative upon passing the real estate courses» exams via penning memorized responses to forewarned - about - exam - questions by instructors who need to display a suitable passing percentage of students to keep their part - time teaching jobs?

An aggrieved consumer will use the same facts as they would in a lawsuit to file a claim to a real estate commission that issued the licenses.

The concept of the «discount brokerage» is such that it is intended to disrupt the real estate status - quo of relationships, by luring consumers in through the suggestion of savings, as it relates to any commission that might be charged: 1 % verses 2 % verses 3 % verses 4 % verses 5 % verses 6 % and so on.

With millions of consumers signing up for the Federal Trade Commission's National Do Not Call Registry to stop unwanted phone calls from telemarketers, any real estate professional who has relied on cold calling to drum up new prospects may be considering e-mail the next - best tool in their marketing efforts.

RISMEDIA, June 3, 2010 — A new online survey commissioned by the National Apartment Association conducted in May 2010 finds 76 % of consumers deem renting to be the more favorable option to owning a home in the current real estate market, a 5 % increase from 2008.

I really fail to see what is so anti-competitive about real estate commissions from a consumer's perspective.

Since Colorado revised its real estate agency law in 1994, the commission has seen an upsurge in buyer representation, as well as an increase in consumer complaints related to buyer representation.

Whether a real estate practitioner charges a higher or lower amount of commission shouldn't be automatically correlated to a successful consumer experience.

2)... do you think that consumers would prefer this system, or not, of marketing / buying real estate to the current commission - driven system?

Your appearance is partially responsible for whether you land a new client, some studies suggest, with one 2013 report from Columbus State University in Columbus, Ga., finding that real estate professionals who were deemed «attractive» by consumers tended to net higher sales prices for listings — and, therefore, higher commissions.

Particularly today with all these different business models, the consumer can go to any variety of real estate companies and get all kinds of services or not get services, pay this commission or that commission.

Am I wrong; is there something wrong with my thinking and my non - commission / non-organized-real - estate - member - status offer to help consumers... for an hourly stipend?

When a real estate broker doubts there is consumer value in them charging a particular level of commission, the strength of their doubt, must be equal to the weakness of their «added value» because they are saying as much!

When Bill Fanning and Ellen Carr opened Smart Real Estate in Rochester, N.Y., three years ago, they wanted to offer consumers full service on a commission basis.

For more information, visit the Nova Scotia Real Estate Commission's website to view the new Buyer Brokerage Agreement, a list of do's and don'ts and the top 10 questions for consumers.

Taking a look at brokers» most pressing, high - level concerns, the top three «most disruptive to the current real estate model» were: Direct - to - consumer, online, flat - fee and 100 % commission models.

We all have to make a living, but selling real estate should be more than just making a commission, and the salesperson should surely know more about real estate than the average consumer.

Suits alleging a violation of Section 8 (b) of RESPA have been brought against real estate brokerages that charge consumers a flat fee in addition to a percentage - based commission.

However, the court looked to the Federal Trade Commission's Statements of General Policy or Interpretation, which states that the term «legitimate business need» includes «real estate agents who obtain consumer reports to assist owners of residential properties in screening consumers as tenants.»

So the real estate commission debate is really an economic debate covering our entire consumer way of living these days.

Real estate sales people strategically, thus manipulatively, create commissions via how well they overtly influence consumers (utilizing sales talk) to become customers, then clients, then buyers / sellers on terms that are favourable to the sales people.