Sentences with phrase «estate consumers as»

Ultimately, NAR wants to establish a marriage of common interest with REALTORS ® and consumers — enlisting them to take action and become advocates for real estate issues — with the goal of working together to preserve access to homeownership, and making NAR the voice for real estate consumers as well.

It is also my goal to inform you of local Gotha real estate market trends, so that at the end of this experience you are not only a new homeowner, but a knowledgeable real estate consumer as well.

It is also my goal to inform you of local Winter Garden real estate market trends, so that at the end of this experience you are not only a new homeowner, but a knowledgeable real estate consumer as well.

Not exact matches

Hike it up in Canada and you'd hurt exports, one of the things that are supposed to help keep the economy growing as real estate and consumer spending slow.

We just wanted to provide the consumer with the same information as the real - estate agent and then let them work together.

Consumers who use a financial advisor as their intermediary can avoid the most common estate - planning and last will and testament errors.

Now there is concern that Millennials, which represent the largest consumer group in American history, might not buy homes as frequently as their parents did, meaning increased inventory that will likely drive down profits in the real estate sector.

Mobile devices will soon surpass desktop computers as consumers» preferred method of accessing real estate sites, according to recent trends in data tracked by digital analytics firm comScore.

As chief executive officer of Zillow Group, Spencer oversees the company's portfolio of real estate and home - related brands, including consumer brands Zillow, Trulia, StreetEasy, HotPads, Naked Apartments and RealEstate.com.

I can, though, see where Zillow is coming from: no one thinks the North American real estate market is the way it is because that is somehow optimal or good for consumers; the only folks that benefit from the status quo are real estate agents that continue to collect 6 % of the purchase price even as their responsibilities, particularly in the case of the buying agent, run in the opposite direction of their incentives.

Previously, the cost of any particular item at Shake Shack was largely uniform outside of stadiums and ballparks, but Shake Shack has brought back tiered pricing, which allows the chain to better adapt to different consumers (as well as different labor and real estate costs) in different markets.

Let's be clear, VOW's (Virtual Organization Websites) are web - based prospecting tools that initially interact with consumers on the basis of those real estate consumers being treated as but Customer's in a No - Agency Relationship.

Since the recession's end, consumer installment loans have grown faster than real - estate secured debt and has been shown to be rising faster than household income as well.

«As an example of the supply chain effect in light of the high response rate from the construction and real - estate industries, the increased costs to this sector could potentially translate to consumers.

Companies involved in activities such as banking, consumer finance, investment banking and brokerage, asset management, insurance and investment, and real estate, including REITs.

We have helped clients complete successful transactions across nearly every industry, offering specialized insights into core sectors such as consumer and retail, energy and power, financial services, financial sponsors, healthcare, industrials, media and communications, real estate and technology and business services.

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.

However, in the case of Treasury Wine Estates, which generates 9 per cent of earnings in the UK and Europe, the currency translation impact may be offset by higher volumes and margins if consumers trade down to cheaper drops such as Treasury's Blossom Hill label, which sells for as little as # 5 a bottle.

Serving consumers through the on - trade and through its franchise retail estate, Conviviality has also announced that Mark Aylwin is joining the board as managing director Conviviality Direct.

For, as Veronica Cueva - Beach, a vice president at Tate & Lyle, Hoffman Estates, Ill., said, «having an extensive portfolio of solutions to meet labeling goals without impacting functional properties helps empower manufacturers with the right solutions to deliver healthier and tastier dairy products to their consumers.»

We offer daily news and technology advice as well as information - based products and services for real estate leaders, technology professionals, and consumers.

A noted consumer advocate and keen observer of condo proliferation, Barnabic has worked in real estate as an agent, broker, property manager, and condominium developer for over four decades.

The findings: Traditional defensive sectors such as utilities, telecommunications, real estate and consumer staples provided minimal protection when nominal yields moved higher.

Consumers do have a choice in the real estate market... 1) List your home yourself with a classified ad in the newspaper as you did before.

(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).

Rising home prices led to rampant real estate speculation, and also fueled excessive consumer spending as people began to view their homes as a piggy bank that they could extract cash from to fuel discretionary purchases.

As a former partner of Doan Law Firm, LLP, I have years of extensive bankruptcy and consumer protection law experience, which enables me to provide you with sound and practical advice as to both your debt and real estate matterAs a former partner of Doan Law Firm, LLP, I have years of extensive bankruptcy and consumer protection law experience, which enables me to provide you with sound and practical advice as to both your debt and real estate matteras to both your debt and real estate matters.

(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.

Real estate prices will once again become as stable as they were and that will become an additional advantage for the individual consumer.

«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.

We got a housing bubble amid other consumer finance bubbles, and probably a bubble in commercial real estate as well.

As a result, most consumers will be bombarded at home and at work by real estate mortgage brokers, who 9 times out of 10, do not lend on mobile homes.

And while dividend stocks can certainly play a role in your retirement income strategy, loading up on them too much could leave you with a stock portfolio dangerously skewed to a handful of market sectors, such as utilities, consumer cyclicals, financials and real estate.

The Commissioner of Competition argued that TREB's rules restricted the ability of realtors to introduce innovative real estate brokerage services online, denying consumers the benefits of greater competition, such as lower prices.

James Shilling, Ph.D., another panelist and the Professor of Real Estate and Urban Land Economics at the University of Wisconsin - Madison said «The ability to refinance for lower interest rates is an important element of the U.S. system as it allows consumers to take equity out of their home and put it back into the economy.»

The correlation between the TSX and bonds is not much lower than the correlation between the TSX and several of the most boring sectors, such as utilities, health care, real estate and consumer staples.

The Canadian Real Estate Association (CREA) tried its best to beat back the charge by the Competition Bureau that CREA's rules that limit the choice of consumers as «anti-competitive».

Currently, those include sector E.T.F.'s, like consumer staples, global materials and technology, as well as an E.T.F. that bets against real estate investment trusts.

California Department of Real Estate for CA Mortgage Lender; Colorado Supervised Mortgage Lender License; FL State Florida Mortgage Lender; MD Maryland Mortgage Lender; Registered in Michigan as Second Mortgage Broker; Utah Consumer Credit Notification, Home Equity Loan License; We do not make mortgage loans in Pennsylvania.

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.

Consumers must provide an earnest money deposit to their real estate broker by the time of electronic bidding; deposits can be as low as $ 500 for properties selling for less than $ 50,000, according to ForeclosuresToGo.com.

As a result, most consumers will be bombarded at home and at work by real estate mortgage brokers, who 9 times out of 10, do not lend on manufactured homes.

But others, such as Phil Soper, CEO of Royal LePage Real Estate Services, say consumers already have a significant amount of choice, and the bureau's move could create a «frontier mentality» that might leave consumers worse off.

The about - face on MSAs comes after the Consumer Financial Protection Bureau issued major enforcement actions against companies accused of violating the anti-kickback provisions of the Real Estate Settlement Procedures Act, known as Respa.

Based on VantageScore's analysis, consumers considered to be superprime who are predicted to be stable are identified as having 15 % fewer inquiries on their credit report, 21 % more real estate trades and 22 % fewer real estate delinquencies.

ACCC also offers a home buyers class and first time home buyer guide that provide help for first time home buyers as well as consumers getting back into the real estate market.

We offer daily news and technology advice as well as information - based products and services for real estate leaders, technology professionals, and consumers.

We're excited to see such a service being offered in the Bay Area, and hope the concept catches on around the country as a way to both increase the demand for green real estate, and to educate consumers about the financial and environmental advantages of buying a green home.

Main areas of work Practices: Corporate and business, gaming, intellectual property, energy and natural resources, government relations, litigation, real estate Industries: Banking, investment, finance and money management; energy and mining; gaming; health care; life sciences; real estate; water; consumer products; entertainment; government, regulation and public policy; hospitality; professional service; and science and technology Firm profile Brownstein Hyatt Farber Schreck has developed a reputation as a high - powered law firm with unparalleled community and business connections.

Construction law covers a wide range of issues, such as real estate transactions and litigation, contract law, consumer law and banking law.