Sentences with phrase «for real estate consumers in»

Learn more about the Council's ongoing work to implement the recommendations of the Independent Advisory Group and enhance protection for real estate consumers in BC.

We will also be focusing on making sure that the public can access information about how these new rules are increasing protection for real estate consumers in BC.

In its final report, the IAG included 28 far - reaching recommendations to enhance protection for real estate consumers in BC.

Vancouver, BC — A progress report submitted to the Real Estate Council of BC by its Independent Advisory Group includes strong indications that the group is preparing far - reaching recommendations to enhance protection for real estate consumers in BC.

Not exact matches

Realtors in the greater Toronto Area may soon be able to offer consumers the option to use the Multiple Listings Services (MLS) database, hitherto reserved for professional members of the Toronto Real Estate Board (TREB) only, via the internet, to buy and sell their homes.

The ensuing boom endowed the middle class in the United States and other countries, but was debt financed, first for home ownership and commercial real estate, then by consumer credit to purchase of automobiles and appliances, and finally by credit - card debt just to meet living expenses.

RealtyMogul, an online investment marketplace for real estate opportunities, has been awarded the Gold Stevie Award in the Consumer Services category during the 14th annual Stevie Awards for Women in Business.

Produced in conjunction with Miller Samuel, a leading independent appraisal firm, our market report series is the benchmark for residential real estate market information and an essential reference source for consumers, the media, financial institutions, government agencies, researchers and other market professionals.

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.

John Pecman, Commissioner of Competition said in a statement: «Today's decision is an important win for competition and for consumers — it paves the way for much needed innovation in the real estate industry.

With over 20 years» experience, Carrie specialises in providing effective total solutions for real estate and media, and has created sustainable business growth with better consumer and customer experiences for Century21, Knight Frank, JLL, Colliers, CBRE, Henderson Land Development, Sun Hung Kai Properties, Sino Group, and more.

For the past few years, the Finance Minister has been trying to prevent Canadian house prices and consumer debts from rising too quickly — without causing a major slump in the real estate market that would hurt the economy.

From evaluating the real estate cycle in REIT - focused ETFs to assessing the business dynamics of top holdings within consumer discretionary ETFs, for example, we focus on key aspects of the investment decision - making process.

RECO says age and experience account for the biggest differences when it comes to consumers» confidence when buying and selling real estate in Ontario.

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.

In a move to futher offer consumers a trusted, valued source for real estate on the internet, and thereby strengthen the REALTOR ® brand, the National Associations of REALTORS ®» (NAR) top - level domain (TLD).

In Golden's letter, dated Dec. 13, he warned that the regulation would have a «series of unintended consequences resulting in higher costs for consumers, while creating havoc in the real estate market.&raquIn Golden's letter, dated Dec. 13, he warned that the regulation would have a «series of unintended consequences resulting in higher costs for consumers, while creating havoc in the real estate market.&raquin higher costs for consumers, while creating havoc in the real estate market.&raquin the real estate market.»

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.

(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).

Consumer debt levels have fallen for 15 of the last 17 months; all consumer debt levels (excluding mortgages and other real estate loans) fell by $ 11.5 billion in February to a total of approximately $ 2.45 tConsumer debt levels have fallen for 15 of the last 17 months; all consumer debt levels (excluding mortgages and other real estate loans) fell by $ 11.5 billion in February to a total of approximately $ 2.45 tconsumer debt levels (excluding mortgages and other real estate loans) fell by $ 11.5 billion in February to a total of approximately $ 2.45 trillion.

This would eventually make real estate data an open, competitive market, allowing consumers to get access to sales data that is more in line with what is recorded and reported on Zillow.com listings (Zillow is an independent, online U.S. real estate database company that provides previous sales data for more than 110 million American properties.

(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 - 1real 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 - 1Real 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 - 1real 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.

Finally, consumer proposal and bankruptcy will greatly impact your score which can stay on your report for up to 7 years if real estate was involved in the case of bankruptcy.

Among the benefits are notifications prepared for the consumer to send to the three major credit reporting agencies of their recent accomplishment for inclusion in their credit files, a variety of discounts and reduced rates from mortgage companies, real estate brokers, offers of deposit waivers from participating telephone and utility companies and special opportunities for members of participating credit unions.

«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.

A consumer should always get information about the prices of other houses in the neighborhood, interview several real estate professionals, hire a properly licensed and qualified home inspector to carefully inspect the property before you become obligated to purchase it, determine whether the seller or you is going to be responsible for paying for the repairs, determine whether or not you can afford to make the repairs, compare costs and shop for a lender before refinancing or purchasing a home.

For the purpose of determining the permissible finance charge, any discount or point paid by the debtor in connection with a consumer credit transaction secured by a mortgage on real estate, even though paid at one time, shall be spread over the stated term of the consumer credit transaction.

In fact, according to a recent study by the Federal Reserve, banks are now raising their credit standards for mortgages, consumer loans and commercial real estate loans at a pace never seen in the 17 - year history of the Fed's quarterly survey of senior bank loan officerIn fact, according to a recent study by the Federal Reserve, banks are now raising their credit standards for mortgages, consumer loans and commercial real estate loans at a pace never seen in the 17 - year history of the Fed's quarterly survey of senior bank loan officerin the 17 - year history of the Fed's quarterly survey of senior bank loan officers.

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.

You're out of consumer debt and you're starting to learn and invest — first in the stock market (likely for the dividends) and maybe even in real estate.

BPG has been providing home warranties and home inspections for consumers involved in real estate transactions since 1987.

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.

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 Nursreal 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 Nursreal 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 NursReal 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.

The combinations of academics, real life work experience, and in - depth knowledge of the construction industry provides Alex with a highly diverse and unique range of expertise for assisting clients with business, contractual consumer law; personal injury; probate and wills; real estate; disability benefits; and veterans benefits.

Toronto, ON., June 22, 2001: Consumers buying or re-financing farms can now better protect their farm properties: TitlePLUS, the most comprehensive title insurance program in the real estate market today, is now available for purchases and re-financings of farm properties.

Noseworthy's consumer protection stance continues the hard line taken by Premier Christy Clark when the Liberals became embroiled in real estate controversy for failing to provide the needed regulation framework to stop shadow - flipping by real estate agents.

In fact, whole life insurance is most valuable as an investment for those lucky few without consumer debt, with incomes of at least $ 250,000 to $ 300,000 annually, and with sufficient savings for all anticipated major purchases, such as tuition and real estate.

The display on this handset has a large real estate of 5.5 - inch, and it makes perfect sense for consumers interested in using handsets for viewing pleasures such as gaming and movies.

Mr. Pei said the Shenzhen - based phone maker opted for a notch in order to maximize the screen real estate made available to consumers, though the development was met with some backlash from a vocal portion of the original equipment manufacturer's fans.

Received top sales recognition for converting over 23 sales finance loans to consumer and real estate loan in one month.

• Orchestrated the attainment of 97 % goal for consumer checking, 117 % business checking, 283 % of real estate, and 160 % in other lending targets.

As you said, as long as the REALTOR ® only has to enter the listing in one MLS ® and all the listings are available on the consumer portals, the interests of organized real estate are maintained and there'd be one less thing for the Competition Bureau to be concerned about.

And while consumers will be able to search for properties based on location, price, size, bedroom number and animal restrictions — information that is provided by landlords and leasing companies — a real estate agent is nowhere in sight.

What is important is that we look forward to resolving this matter as quickly as possible, in order to ensure that consumers and real estate agents alike can benefit from increased competition for residential real estate brokerage services in the Greater Toronto Area.»

When it comes to keeping today's consumers engaged, for real estate professionals willing to put in the time and effort, the sky's the limit.

«Time starvation» may also work against the model of consumers» willingness to do more work in return for lower fees, noted Earl Lee, president of The Prudential Real Estate Affiliates.

If this article has been reported in the correct sequence of events, Don Richardson had already answered the subject question correctly, with:» Richardson added that it was a judgement call by the member to decide if the consumer should receive the search results based on whether it matched the reasons for which it was conducted, which he earlier testified was based on whether it or not it related to the trade, or potential trade, of real estate.»

According to analysts of the Russian Ministry of Industry and Trade, a state agency that is responsible for the monitoring of the activities of real estate brokers in Russia, many real estate transactions in the Russian market are tainted by fraud and deception, so the new law should contain rules for the protection of rights of consumers of real estate services.

To the surprise of many in the media and technology business — and even of some in the real estate industry — REALTORS ® are winning when it comes to harnessing Internet technology to enhance their business and make transactions easier for consumers.

Been in a business related to real estate for 35 years and consider myself to be a better than average informed real estate consumer..