You can get cheap car insurance in Tennessee if you research your options properly. If you are new to finding out more about insurance, you have come to the right place. Get familiar with your options here, and then picking out coverage should be super easy.

Search Market For Best Insurance

You need to start by finding out what kind of insurance is on the market at this point in time. You can do so by looking up insurance in your state on the internet using a search engine. A simple search for Tennessee car insurance or something a little similar can get you a lot of results. Go through the top ones that you find, and start putting together a list of companies that catch your eye. If you can get at least 3 companies, that will help because you can then compare prices and what you get for what you pay.

Use Online Tools

You’re going to get better rates with some companies so use tools online to find out what you’ll have to pay. You also should call the companies that you’re interested in to ask them what you’d have to pay depending on who you are and what you drive. You sometimes will find that a lot of the tools online aren’t accurate because rates that companies charge change on a regular basis. You don’t want to think you’re going to get a great deal only to contact the company and find out you have to pay far more.

How To Find Cheap Insurance In Tennessee

Finding cheap car insurance in Tennessee is not as hard as one would think. It just takes a little bit of time and effort. Once you find what you’re looking for, you will know it because it will be affordable and will cover you in many different situations. For more details on insurance visit mymeridianinsurance.com now!

Since 2016, the number of professionals working at home has significantly increased, and that includes stay-at-home moms. One of the most popular occupations is a Real Estate Sales Agent. Here are some of the advantages of working in the real estate industry alongside being a mother.

Scheduling Flexibility – Having kids is demanding, not only does it take your energy and money, but also your time. Therefore, any mom would love a work with a flexible schedule. A person working as a real estate agent, you can decide how much you want to work and when. Because of this, you can help in earning an income for your family and work on your own time. While the children are at school, you can reply to emails and entertain calls. You can also do this during evenings or when you are not attending some sort of meeting on behalf of your children.

Office Options – Different from other professional employment choices, working as a real estate agent lets mothers (or other people for that matter) work from home, either in a professional attire or in pajamas. Several real estate agents have the choice of working in an office. However, for moms with demanding little ones at home, working from the comfort of their own home is always an allowable choice.

Earning Potential – Everyone knows it is difficult to put a price tag on everything mothers do in the house. As a real estate agent, there is no limiting the extra salary that mothers can contribute to the family, either. A job in the real estate industry can get a commission-based income, therefore, salary is dependent exclusively on the amount of work a person makes. If mothers contribute half of the energy that they contribute to the family’s advantage, achievements in real estate are certain.

These perks can be tempting, but there are still things you need to consider before entering this real estate profession. Here are some of them

Only individuals with the suitable personality can triumph at both.

If you are the type of person who requires a firm and prearranged organization to perform well, you most likely will not do well as a work-from-home real estate mom.

Conversely, if you are a highly prompted by individual goals, you are likely to achieve the professional meetings and cope with the work demands and meetings in the time your children are occupied.

Steadying these two things will include distinct problems and challenges, but if you have suitable personality, it is absolutely attainable.

No matter what you do, you can’t do it by yourself.

In several instances, it is unprofessional to bring kids with you during a client appointment, particularly kids younger than 4 years old.

Consequently, you will probably need child care of some sort to be able to do your work as a real estate sales agent.

It will be significantly easier if you have a husband or boyfriend who can stay with the children while you do your work on the evenings and weekends. If you are a single mom, you will need to leave your kid in a daycare prior to your meetings.

Real estate agents are not that successful, they have to pave their way to get into the higher rank. To work in a real estate agency needs a ton of hard work and dedication, but the returns are much in hand. Excellent income, work hours flexibility and freedom with own work pace is what a real estate agency offers. Along with other jobs, being a real estate agent requires the right education, training, and the drive to compete with other real estate agents. A criterion has been made for the best real estate agent in Dayton, Ohio. Best real estate agents do not turn down their clients away, they even maintain connections with past clients and referral sources. Here are some ways on how to become the best real estate agent.

Knowledge is power, and expertise is the energy. The greater information you have, the more opportunity lies in your hands and more clients you will obtain. As the number of clients grows, your listings will come as well. But how to achieve these? Get a good education.

As you have earned your diploma, you can have your real estate license. But take note, licensing is different with every state. You have to be careful to know what are the requirements, however, there are similar basic requirements. Takers should be 18 years old and above, be able to pass the exam and complete the number of hours of real estate course.

Choose the best real estate firm for you. After having your credentials and license, decide which firm you can put up your foundation and find a mentor. Establishing a mentor relationship with other agents can boost your knowledge regarding the pros and cons of the real estate industry.

Build your client portfolio, this is the most important part of the business and real estate industry. With the referrals and connections, you still have with your previous clients this can keep you on track.

Do not be ashamed by attending seminars and training sessions, this continues the education you get and stay ahead with the competition.

Partner with other agents. Do not turn down a few prospective customers who aren’t on your list, however instead represent them in your competitors. Partnering with other marketers is a way to surround towards dropping a threatening competitor.

Have a publicist, they can help function you to a neighborhood noted supply for actual property advertising.

Remember, being a real estate agent is not solely about sales, it is more about marketing yourself, services and the client’s listing. A real estate agent work as an independent contractor who earns only with commissions thus you have to evaluate your personality since real estates are not for everyone. Personality traits are as important as having that education, training, and license. Success requires juggling the highs and lows of being a real estate agent, a pleasant attitude and nature, maturity, good judgment, trustworthiness, honesty and enthusiasm for the job makes they key to a successful real estate agent.

Article Via: http://deniseswick.com/best-real-estate-agent-dayton-ohio/

What is it?

For more than 3 decades, Champions School of Real Estate has been providing quality education to real estate agents in Texas. Rita D. Santamaria, the owner, founder, and the CEO started Champions School of Real Estate in 1983 with a mission to produce the whole education experience to new license holders. The total education experience includes being up-to-date with the latest information in the real estate industry; taught by qualified teachers who are passionate about their profession; an appropriate learning environment.

The school’s objective is to allow licensees aim distinction with the help of our quality education. This can be done through their two small objectives: To help licensees pass the state exam; To ignite your latest profession in the real estate industry.

The Champions School of Real Estate boasts their award-winning licensing and post-license education courses offered in several structures particularly convenient to students with busy lives. Interested students can pick from live classes or online education. The school provides classes every day, with the day, night, and weekend schedules available for your choosing. Online post-licensing courses are offered to potential students residing in Oklahoma and Florida. The school has future plans to provide education beyond the state of Texas this year. The Champions School of Real Estate backbones expert teachers, an award-winning curriculum, and a customer-centered team whose objective is to make sure you reach and prolong success in your real estate profession.

The school’s mission to offer the best education to a varied and committed group of students with these three methods: classroom; online; correspondence delivery. They do this by offering quality education that is directly relevant to the institution’s professional objectives and the public they provide services. A staff with applicable and reliable experience helps to aim the school’s goal by providing a quality education.

What is the Real Estate education in the Champions School of Real Estate?

The Champions School of Real Estate has been offering quality real estate education for more than two decades. Their concentration has constantly been on providing an outstanding educational exposure. Whatever level you are in your real estate profession is not relevant as they have the perfect educational courses for you, whether you need to learn before taking a licensing exam, an annual education to improve your career, or a continuing course to maintain a running profession.

Licensing Courses

This is the very first step towards your career in the real estate. The licensing courses provided by the Champions School of Real Estate are precisely what you must have to jump-start on your path to success in the real estate industry.

Prep Courses

Master the state exam through our prep course. You will gain confidence and knowledge to pass the state exam on your first attempt.

SAE Courses

After learning the basics, maintain a running career through our SAE. This is a requirement for first-year licensees. Topics included in the course are ways to take advantage of your educational dollar.

MCE Courses

Be informed with the latest trends, laws, and regulations in the real estate industry through the school’s potent continuing education courses that will provide you with the latest changes and information that allows you to be in sync with a constantly changing industry.

Longing for garden-fresh vegetables or a beautiful scenery of rows of flowers to gaze out of your window? The size of your yard will not matter, you can craft a garden plan to fit your needs.

Get an idea of how your garden will be. Will it be a vegetable and herb garden? Or a flower garden? What purpose do you want your garden to serve? Some longs for a functional garden, that can produce fruits and vegetables whereas there are others who prefer ornamental gardens to beautify and provide a pleasing sight of their homes. Vegetable gardens have the highest soil and maintenance requirements. With flower gardens, you can personally style your garden with the type of flowers you want. If you want a garden to be both functional and ornamental, a herb garden can do, they tend to flower beautifully and can be used as teas and food flavoring.

Take a look around your yard and assess the best spot for your garden. Pick a spot to where you want to put your garden, observe how the sun moves across the chosen spot. Place the garden where you can give an attention, and place it close enough to a water spigot, avoid a spot where water stands for awhile after a heavy rain. It should be in a conducive place for the plants to grow healthy and strong. Most plants grow better in a rich, well-drained soil, make a raised bed if your soil is not high quality. Vegetables grow best with a lot of sunlight, choose a spot that is not shaded. As flowers are versatile, choose a spot that there is a partial or full shade.

Remove the sod covering the area you want to plant, clear the ground. Improve the soil, add a two or three-inch layer of compost, decaying leaves, dry grass clippings, or old manure this can boost your soil.

Have a garden design. An outline of your garden or yard space will be best, tailor the design to fit the needs of your plant.  Make sure the plants that need shade will be planted on a full or partially shady place and the ones who need a lot of sunlight will be planted in an area that will not be cast by shadows during the day. You have to take account the amount of space each plant will need, to make sure they will fit in the garden after it starts to mature. Flower gardens have to be designed with aesthetics, choose the colors that will look pretty together and make patterns that are pleasing to look at. Design a vegetable garden that can be convenient for you to walk around when the vegetables are ready to harvest.

No yard? You can still have a garden! Have large pots with a quality soil on you can plant flowers, herbs, and certain vegetables. Move the pots around according to the amount of sunlight the plant needs.

The bathroom is the least part of the house you like cleaning, clean your bathroom with these fast and efficient steps.

Prepare and gather the necessary cleaning supplies for the bathroom. Make sure to wear rubber gloves during the course of cleaning the bathroom, to keep your hands from contamination and drying out from the harsh products used.

Remove all items in the comfort room. All the products on the shower or bathtub or on the sink, take out all the towels and rugs outside the room. Move out any items from the counter outside the bathroom. Do not forget to take the trash outside the garbage can.

In general, when cleaning a room, you always start from the top down. Get rid of the dust inside the comfort room. Move out any little side tables or movable storage cabinets to include cleaning the space under them. Grab a duster that has a long handle to reach and remove any cobwebs in corners, on light fixtures or in ventilation. If you can’t still reach the cobwebs, pull a stepladder to get up high. Once done removing all the cobwebs, sweep or vacuum the bathroom floor to pick up the accumulated hair and other debris on the floor.

If you regularly clean the bathroom, apply an all-purpose cleaner. If you have a serious build-up on your bathtub or shower, apply an acid-base cleaner. For an alternative, mix a tablespoon of baking powder into about a quart of 75/25 mix of white vinegar and water. Pour some bleach or other disinfectants into the toilet bowl and sink. Put the toilet brush inside the bowl to sanitize the brush for cleaning. Make sure that as you do this step, the door is open and the fan is on to ensure proper ventilation.

Clean the exterior of the toilet. Wipe the outside with a cloth soaked in a disinfectant cleaner. Do not forget to discard the cloth or paper towel you used. Scrub the bowl with the toilet brush and then flush.

Apply a scrub powder to the dirty areas, if there are lime and build up in the tub, sink, or around faucets. Damp that area slightly and sprinkle with scrubbing powder. Let it sit for 10 to 15 minutes to loose the dirty patches and make scrubbing more smoothly and easier. Be sure to read the label and ensure that the scrubbing powder you are using is an appropriate product and it won’t damage the surface.

Clean the walls, windows, and ceiling. With a sponge or a clean rag, scrub the tile surfaces you have sprayed.

Sweep and mop the floor. Submerge the mop into a bucket of cleaning solution, squeeze out excess water. Start with the farthest point from the door. Remember to rinse the floor with clean water to remove slippery soap residue.

Keep the bathroom clean by running the fan for ventilation, wiping down the shower after use, washing the toothpaste down and keeping the bathroom tidy.

The Division of the Colorado Real Estate protects the consumer through licensing, regulating and enforcement of licensed and real estate professionals in Colorado. The mission of Colorado Real Estate Commission is to create a balance between the consumer protection and the business needs of a licensed professional. They have strived to accomplish the balance by streamlining the regulatory requirements for the licensee and providing.

The Real Estate Commission has a five-member commission who meets twice a month to conduct rule-making hearings, make policy decisions, consider licensing matters, review complaints, take disciplinary actions against real estate brokers. Among the five members of the Commission, three of them are real estate brokers, one is an expert in the area of subdivisions and the other one is a member of the public.

The Colorado Real Estate is assisted by the Board and Commissions that has provided the overview of numerous industries and professions.

Executive Director’s Office: It is combined with the administrative, operational, and performance functions of the Department of Regulatory Agency divisions, thus the office manages special projects and has the initiative to work on the preservation of the integrity of the marketplace and promote a fair and competitive business environment in Colorado.

Division of Banking by the Department of Regulatory Agency protects the public interest and preserves the public trust in the Colorado banking industry by regulating the business of state-chartered commercial banks and trusted companies, state-licensed money transmitters and the enforcement of the Public Deposit Protection Act.

Colorado Civil Rights Division: It is charged with the enforcement of the State’s discrimination laws in the areas of employment, housing, and public accommodations. Through investigation, education, mediation, and enforcement it eliminates and prevents the discrimination.

Division of Financial Services: Protects the consumer by regulating and supervising a state-chartered Credit Unions and Savings and Loan Associations, administering and enforcing the Savings and Loan Public Deposit Protection Act, and financial activities of life care institutions.

Division of Insurance: Regulates the insurance industry, helps consumers that are seeking for answers, investigate the complaints, and helps them understand the importance of their insurance.

Division of Professions and Occupations: has provided consumer protection through the regulation of licensees within more than 50 professions, occupations, and entities in the State of Colorado.

Division of Real Estate: Protects the consumer through licensing, regulation and enforcement of licensed real estate professionals in Colorado. It tries to balance the consumer protection and to be a licensed professional.

Division of Securities: To protect investors and maintain the confidence in the security market, while licensing security professionals. enforcing security law violation.

Colorado Office of Policy, Research, and Regulatory Reform: Reviews the proposed regulatory programs to determine if it is needed, reviews the existing programs and functions of government to ensure if it is necessary, fair, efficient and effective. This reform regulates a wide variation of professions, occupations and businesses to support a fair marketplace and to protect the consumers.

Public Utilities Commission: This division has the full or partial regulation power and authority.

Here are three confessions from SAHM other stay-at-home moms may relate to:

Anita Sanchez tells me that although being a stay-at-home mom is not always perfect, there are times it definitely is.

“Trust me, there are some days when I feel like I’m going to pull my own hair out before 9 o’clock in the morning. My four kids are fighting each other over who got the toy car first or refusing to put their clothes on, even though it is below zero outdoors. Sometimes I just want to go back to the bed beside my husband and put the thick comfortable duvet over my head and probably just hire someone to take care of the children and the house. But, although usually, things are not perfect for a SAHM, there are still instances when it could not be more perfect. It makes my heart warm to see my children getting along together, or enjoy a big family hug. Those are scenes that are really amazing. Those times make me feel thankful to be a stay-at-home mom.”

Jenna McGowan confesses that since she became a stay-at-home mom, her meaning of success has become different.

“Before I became a stay-at-home-mom, I used to correlate success to landing a big client at work or to finish an interior design project for my own house. Now, it has changed. It becomes a success when my 3-year-old son who is potty training keeps her dryness throughout the day. It becomes a success for me when she eats the food I meticulously prepared for her and actually enjoys it. I consider it a big achievement when all of those things happen, and I also maintain the house clean, dinner cooked, and the laundry finished. It is funny how your definition of success instantly changes when you become a stay-at-home mom.”

Alyssa Granderson admits to crying at least once a day as soon as becoming a stay-at-home mom.

“I am not a crying baby. I always buck up. Even when it has become really tough, I put my game face on, pulled up my boots and face my problem head-on. I never experienced breaking down and crying. My record has been stained when I am already a stay-at-home mom. When my kids are really sick and experiencing pain, I also cry with them. When my daughter throws a tantrum because his fairy dress has not been washed, I walk out and cry. When my husband texts me that he’s going to be late, I cry. It’s one big emotional roller coaster. When everything is on my shoulders, and there is nothing I can do about it, I just cry.”

Amanda Praise, a stay-at-home mom of 3 boys, said she thinks people believe she does not do anything all day.

“It’s funny how people think that I do not do anything all day. I mean, they actually, ACTUALLY thinks I don’t do anything. What do they even think I’m doing? Sitting on our comfortable couch and watching the television throughout the day? Na uh, my typical day includes, cooking food for my kids, changing diapers, bathing them, ensuring they finished their homework, helping my kids do their school projects. We do play dates. We make blanket fortresses and crawl on fours. I do puppet shows. Each day, I spend more as a stay-at-home than as a professional worker. It just astounds me to know that many people believe that I am not doing anything throughout the day.”

As the previous article teaches you how to prepare for a garden, here we will teach you how to plant your desired flower, herbs, or vegetables in your garden.

Buy the needed gardening supplies. Gather the following supplies:

• Seeds or young plants. Choose a plant that can adapt to your climate, your soil, and the amount of sunlight in your garden. You can start your garden from seeds or young sprouted. Here are some easy to grow plants for beginners:
• Cosmos, Marigold, impatiens, geraniums, Calendula, sunflowers and zinnias are annual plants.
• Russian sage, lamb’s ears, black-eyed Susans, purple coneflowers, phlox, pansies, and Daylilies are perennial plants.
• Lettuce, peppers, tomatoes, and cucumbers for vegetable plants.
• Soil fertilizers and topsoil help plants grow healthy and a layer of topsoil can be an extra protection.
• Mulch, to help keep the weeds out and water in, cover the soil with a couple of inches of a mulch.
• Compost to improve the moisture retention, to buffer the pH and provide micronutrients to the plants.
• A shovel and a spade for digging proper sizes for the holes of the seeds and young plants.

Prepare the soil. With a depth of 12 inches, make sure it is loose and does not have large clumps. Remove rocks, roots, and other solid objects from the garden bed then fertilize it and work in compost to prepare it for the plants. The growth of the plants depend on the quality of the dirt, test the soil for its pH. Make sure not to put too much fertilizer, it can be toxic to the plants.

Plant the seeds according to the garden plan you have made. Use the spade to dig holes, give space a few inches apart and make sure that the holes are deep and wide enough as it needs to be. Fertilize the plant as necessary, there are plants that need to be fertilized after planting and some may need more fertilizers than the others. Add compost, mulch, and topsoil when necessary, to protect them, be careful some mulch are not appropriate for some plants. Also, layers that are too thick can inhibit the growth of the plants

After planting and treating the soil, water the garden. Dampen the garden thoroughly with your sprinkler. Water the garden every day, do not over saturate the soil. The seeds might drown and can prevent the plants from growing. Watering once a day may be sufficient, do not let the soil completely dry out. When the plant has sprouted, water in the morning to avoid the production of mold and plant disease.

Remove the weeds from the garden, sprouting weeds can inhibit the growth of the plants by taking the nutrients from the soil. Stirrup hoe can help remove weeds, run the hoe along the soil beside the plants.

Keep it up! Your beautiful and healthy garden is on its way. Keep watering them when needed, keep their surroundings tidy, pull weeds before they get big.

Being a mother does not exclude the feeling of wanting to look good. But as we are busy with taking care of our home, children and husband everything looks kind of hectic. With this kind of schedule, it does not leave us much time to pick out the desired outfits every single day, and even if there is still ample of time, we want to wear something versatile and comfortable. Well, staple leggings in your closet! Just like any jeans and jackets, leggings are a wardrobe essential. Leggings are one of the most comfortable pieces of clothing, they are not a substitute for short or long pants. If you want to flaunt your butt, or have it covered up, wear your leggings however you want it, whatever style is right for you!

Leggings can be worn in different styles:

• A secure outfit might be a aggregate of a scarf, an extended, open button-down blouse, leggings and 2 boots.
• in case you want to cover up your butt every time you are the use of a quick shirt, then have a amazing long cardigan.
• Be a hotty and spice things up with a pair of pleather or leather-based leggings!
• A fashionable but secure aggregate of a protracted loose blouse with leggings.
• A picture tee with footwear, making your leggings appear to be a sweatpant.
• grab a shirt this is lengthy sufficient to be nearly a get dressed, is likewise a great mixture for your leggings!
• Leggings are stated to be hotter than tights, so your leggings may be a substitute on bloodless, iciness days! you can put on it with a mini skirt to appearance lovable.
• if you have slightly cropped leggings, you can integrate it with a free blouse, sweater, and sneakers to feel relaxed all through your busy days.

Care commands can be found at the tag of the leggings but, we must remind you of the stairs to avoid your leggings from stretching our or shrinking, leggings are designed for workout routines and are constructed from materials that draw off sweat out of the pores and skin to the outside of the material. After the usage of it in workout routines or yoga or in all day use, the leggings might be most probably damp. To keep away from mildew and molds, we propose you to hold your leggings before placing it within the hamper. Wash it sooner.

First, refill the bathtub with a cold water and a cold water detergent. turn the leggings internal out and paintings the material together till the cold water detergent receives foamy. Rinse the leggings at least twice with a chilly water. lightly wring the leggings until it’s miles slightly damp, allow it dry with room air or sun exposure. there may be another preferred technique for washing their leggings, maximum especially if the customers are strictly dealing with their time. when the time is missing to hand wash the leggings, turn the leggings inside out and wash them cold. pick a gentle or hand wash putting on your washing machine. let it dry with room air or solar publicity, and in case you lack time to do that set your dryer device on low heat.

Missouri Real Estate Commission has provided administrative support to a number of professional licensing boards and commissions, who are responsible for license and regulation activities of the residents in Missouri. The Missouri Division exists to serve and protect the public from being incompetent, misconduct, gross negligence, fraud, misinterpretation or dishonesty through providing an accessible, accountable, and responsible regulatory system that gives license to the qualified professional individuals that have examined and evaluated the minimum competency and enforces that is standard for the implementation of legislation and administrative rules. The Board and Commissions process applications, administer examinations that issue licenses, conduct investigations on possible professional misconduct when warranted and has the power to revoke or suspend the license practitioners.

The Missouri Real Estate Commission was approved by the Missouri governor last July 1941 and was created by the Act of the 61st General Assembly. Under the provision of the real estate act, a real estate broker or salesperson must first provide a license from the Commission. As the Commission investigate complaints that are voiced out by the consumers against the acts of the licensee and as the Commission audits the real estate escrow accounts to verify the proper handling of buyer’s earnest money, and approving all real estate prelicensing and continuing educational courses are the included responsibilities of the Commission.

The Commission set meetings regularly to review complaints, investigations and audits and other matters that needs to be discussed. They carry out the duties and responsibilities stipulated by the real estate license law. The Missouri Real Estate Commission is composed of seven voting members and among the members, six must have at least 10 years of experience as real estate brokers. The seventh member of the Commission serves as the public member, each member of the Commission is appointed for a five-year term.

Resident and Nonresidents of Missouri can obtain a license, although they have a distinction with the requirements needed.  To obtain a Missouri license, all applicants must be 18 years of age, shows evidence of being fingerprinted through the approved statewide vendor. Furthermore, all applicants, may it be resident or nonresident, are required to undergo fingerprinting for a Missouri and Federal criminal history background check. 3M/Cogent must be contacted for fingerprinting prior to the application for licensure. Eligibility requirements must be met and the examinations required must be passed.  The application must be submitted within 6 months of the date the 48-hour pre-examination course completion.

And if you wish to renew your information, there are a few important reminders. With the online renewal process, you CANNOT do the following situations: Change address or name, until the continuing education is complete and on file with MREC you cannot renew online, transfer the license from one broker to another, change the license status, and late renewals. As late renewals CANNOT be submitted online, the Commission also imposed a penalty regarding late renewals, it is subject to $50 per month, or a partial month penalty with a maximum of $200.

North Carolina Real Estate Commission is an independent state governmental agency, the primary function of this commission is to license and regulate real estate agents. Real estate agents encompass the person or firms who sell, who lease real estate for others. North Carolina Real Estate Commission is often linked to North Carolina Association of Realtors or also known as Realtors, at which is a trade organization. The commission is not authorized to hand legal advice or answer questions regarding legal subjects other than subjects under the North Carolina Real Estate Law or the rules promulgated by the Real Estate Commission.

The mission and goal of North Carolina Real Estate Commission are to protect the public interest in real estate brokerage transactions, to assure that the licensees are competent and morally qualified to be a real estate brokers, to assure that the licensees comply with the standards of the real estate practices which are imposed by the real estate law and Commission rules, to be able to address the issues that can affect the consumers and practitioners of the real estate and lastly, to effectively and efficiently administer the Commission programs and operations in line with the North Carlina Real Estate Law.

The objectives of NC Real Estate Commission in assuring the licensees to be competent are to effectively administer, monitor and improve the quality of the prelicensing education program, the license examination program, the continuing education program and the post-licensing education program.

The NC Real Estate Commission objectives to assure licensees have complied the practice standards of the real estate law and Commission rules are, to investigate complaints against licensees in a thorough and timely manner, to manage disciplinary and application cases in an efficient and timely manner and for the licensees and consumers to serve as a real estate information.

The objectives of NC Real Estate Commission in identifying and addressing the issues affecting the consumers and practitioners of the real estate are, to detect and monitor unusual problems and areas of concern that has affected the consumers and practitioners, to be able to adopt the positions, promulgate the rules and propose legislation to address problems and concerns, and to be able to disseminate to licensees and consumers the information that addresses the subjects of concern and special interests.

The NC Real Estate Commission has an objective of, to employ, train and manage the staff to effectively conduct Commission business, for the staffs to effectively conduct Commission business efficient office facilities and equipment that are necessary to work must be provided, support the Commission operations funds should be assured before time and for efficient and effective conducting Commission business systems and procedures should be conducted, these objectives are to effectively and efficiently administer the programs and operations of the Commission.

Policy-making regarding licensing and regulatory matters with the North Carolina real estate brokers as their target is a sole responsibility of the Commission. Real Estate Commission meetings are open to the public, real estate licensees and consumers are openly welcome.

A state government regulatory agency that regulates the mode and manner by which the affairs and businesses of the real estate are conducted through Louisiana. Accounting, Administrative, Education, Investigate and Licensing are the five divisions offered by the agency. The Louisiana Real Estate Commission upholds their mission to serve and protect the public interest in real estate transactions and other real estate activities. Maintaining a tradition of open government, providing fair and equitable administration and enforcement of the Louisiana Real Estate License Law and Commission Rules and Regulations; and through the development of progressive education programs that promotes knowledge, ethics and advancement of the real estate industry can help the Louisiana Real Estate Commission to accomplish the mission they uphold.

Positive changes have been enacted that governed the business practices of the real estate licensees and that strengthened and reinforced the existing law. The Louisiana Real Estate Commission originated as the State Board of Real Estate by Act 236 of the 1920 Louisiana Legislature, the purpose of the Board was defined by the law, and it is defined as to regulate the mode and manner of conducting the affairs and business of real estate. In 1972, the legislature has amended and brought major changes to licensing, there are important additional requirements. One of the important additions to the law was the examination requirement, this made the applicants to pass a comprehensive written examination prior to being a licensed broker or salesperson; first education requirement for salesperson and brokers and a sworn statement is required from each applicant that they attest that they have agreed to abide the provisions of the federal Fair Housing Act of 1968.

Pre-license education consists of 90 hours of approved course work that covers the principles and practices of real estate, the Louisana Real Estate License Law, the Law of Agency Commission Rules and Regulations, and the Civil Law, as it pertains to the real estate in Louisiana.

In accordance with the revised statute, each applicant obtaining an initial salesperson or broker real estate license shall complete 45 post-license education hours within 180 days after the initial license date. Post-license education is different from continuing education, Continuing education is an annual education requirement of 12 hours, completion of the continuing education hours must be completed prior to submission for license renewal.

To serve and protect the public interest in real estate transactions and other real estate related activities,  education is the tool.

Pre-license requirements are for salesperson and broker:

Applicant must be at least 18 years old

For brokers, the applicant must be actively licensed as a real estate salesperson for at least four years, with two of the four years occurring immediately to preceding submission of a broker license application

Applicant must have obtained high school diploma or equivalency certificate

Applicant must comply with the procedures required by the Louisana Real Estate Commission, this includes the submission of a criminal background history.

Applicant must pass the required licensing examination.

Applicant must be sponsored by a licensed real estate broker and provide proof of errors and omissions insurance prior to license issuance.

During the global recession, it had a phenomenal impact on the real estate sector since the completion of sales has become harder and fewer. With what happened before, it is essential to safeguard your property and to defend your rights as the owner or buyer of a property. Are you looking for a reliable and reputable real estate lawyer? Aim to find a lawyer that understands your case and provide efficient and effective legal representation, those who are expert in tax, securities, negotiate and choose public and private equity and debt financings, joint ventures, hospitality and leisure deals. Legal assistance related to wills and probates is covered in this blog.

An extensive legal area that is regulated by the Federal and State statutes covers the Real Estate and Property Law. Real property or real estate comprises more than infrastructures, buildings and the land, it also consists of the interests, benefits, and rights that are legally considered to attached to the real property. This law governs the ownership and tenancy of a real property and in personal property, within the common legal system. The movable and immovable property is a division of the legal system, movable property refers to personal property while immovable property corresponds to real estate or real property. In the real estate world, real estate lawyers have two functions, they either act as litigators or they handle legal aspects regarding real estate transactions. Whether you are purchasing or selling a house, it is important to know your rights and have a counseling with an expert real estate lawyer to avoid getting involved in a real estate law dispute. Across the global real estate capital markets, your position with respect to the risk and return of the maximum investment is critical and important.

As for the concerns of residential and commercial leases, landlord tenant law is based on the type of tenants. A person who seeks to take up personal occupancy on the premises to use it as a home is called, residential tenant, they are more protected against unannounced entry and greater in habitability requirements. When a business takes up possession of the property for purposes of carrying on some form of commercial, retail or industrial pursuit is called commercial tenant, they are strongly protected against activities that can impede their business operation. Eviction has been a legal proceeding and is enforced for landlord tenant laws.

A lawyer assists the purchase of a home through reviewing the agreement of purchase and sale and status certificate, obtain salient information to provide safety.  Real estate attorneys assist the individuals, families and business entity to the wide range of a real estate matters. They are prepared to handle a wide variation of transactions which include, refinancing, mortgages and loans, residential and commercial real estate leases, zoning and land use matters, and not but not the least the residential and commercial conveyances that includes the single family residences, cooperative apartments, condominiums, townhouses, brownstones, multiple family dwellings, vacant land, apartments and commercial building.

Who pays the real estate agent? That is a question we always hear among sellers and buyers in the real estate industry. Before we can understand who pays the real estate commissions, we must first understand how realtors are paid and how they split real estate commissions. Unfortunately, man people only think about a number of fees and have no concept of how commission works.

How Real Estate Commissions Work

• Real estate agents under a real estate broker, therefore;
• Fees given to a real estate agent go through the broker;
• The real estate broker alone can buy a real estate commission and sign a listing contract with a retailer

How much is the real estate commission?

A real estate broker and a real estate agent can negotiate the price of the commissions. Whilst many individuals think commissions are consistently 6 percent, REAL Trends reports in 2014 that the average commission rate in the United States is just 5.1 percent- a percentage of the property’s amount. Therefore, till a proposal has been accepted and the property is considered sold, the precise amount this will include will not be determined. As according to the contract between the realtor and the buyer/seller, the commission to a real estate agent should always be agreed upon before the completion of the deal.

How do dealers recompensate the real estate agents?

Since divisions differ, newbie realtors can get as small as 30% – 40% of the overall commission earned by the commission. That amount will be cut down due to additional fees like sign rentals, office space payments, and advertising. Agents who close deals the most can get 100% and pay a desk fee to the broker.

Who pays the commission of the real estate agent?

This is a question that is slightly difficult to answer. Presumably, the seller and buyer have an individual real estate agent, one can claim the seller pays it or the buyer funds it. This is due because the fee is from the earnings and is usually shared equally between both the agents.

Co-Brokerage Splits

Commissions among brokers are not always equally shared, it is just the way life works. It will not be consistently a 50/50 split. On the buyer’s side, the seller may want to ask the broker to pay them a bigger percentage to the broker of the buyer. On the seller’s side, the broker of the buyer may get less. Basically, there is no formula or whatsoever.

Many realtors earn money with commissions paid straight to brokers when deals are settled. One commission is usually shared several ways between the broker and the listing agent, and the broker and the buyer’s representative. The agreement between the agent and the sponsoring broker determines the commission share a certain agent gets. More experienced and top-producing agents are usually the ones who get bigger percentages.

Outstanding real estate agents who give quality and enthusiastic services that are distinct and diverse. Agents who provide a successful deal with no issues are worthy of getting a fair fee. Make sure that everything is clear, from the outset to what it is included and what is not.

Commercial Real Estate is the property that is used solely for business purposes and is leased out to provide a workspace rather than a living space. It is used in commerce and is customarily quoted in annual rental dollars per square foot. Commercial Real Estate ranges from a single gas station to a vast shopping center, office space, hotels, strip, malls, restaurants and convenience stores are included. It is then categorized into three classes. Class A represents the buildings in terms of aesthetic, age, quality of the infrastructure, and its location. Class B are older than class A. Class C are the oldest, in need of maintenance and is located in a less attractive area.

Colliers International is one of the best Commercial Realtor in Ohio. It was one of the first global companies to expand their operation in Asia, Central Europe, and Latin America. We are committed to providing our clients with access to emerging markets around the world. Today, they are aligned with a single brand and leadership, to provide the clients with best-in-class resources while maintaining their historical flexibility and local ties.

The core of Colliers International is service, expertise, community, and fun. These values gave guidance to the company and their employees how to live and work. In their service, they create positive and memorable experiences by exceeding the expectations both in business outcomes and in personal interactions. Their service approach with clients and colleagues is defined with integrity, ethics and empathy guide. Their expertise on the field is their pride in order to create success for their client and for the people. Fresh and imaginative approach to their client and their work is molded with their passion for continuously expanding knowledge. With their community extension, they are deeply committed to the communities in which they operate and to build sustainable business practices, environments and workplaces. They show compassion to those who are in need, they value and respect the differences and individuality of each person. As the company is serious about their work, to have fun they value an optimistic, energetic and dynamic work environment that helps emphasize social and business interaction.

Colliers International has a mission of being a leader in the global real estate, which is defined by their spirit of enterprise. Through a culture of service excellence, a share of initiative that they integrate the resources of real estate specialists worldwide to accelerate the success of our partners. Their vision is to deliver the best service experience that is shared by our leaders and professionals.

They are honored by many professional associations and independent publications as a leader in the real estate for their business accomplishments and passion for innovation and social responsibility. They have been given the award of Global Outsourcing 100: World’s Best Outsourcing Advisors, 2006-2012 by the International Association of Outsourcing Professionals and Top 25 Commercial Real Estate Brands, 2010-2012 by The Lipsey Company. With the local awards of MIDWEST REAL ESTATE HALL OF FAME, COSTAR TOP PRODUCERS CLUB, LIFE BENEFACTORS AWARD BY THE UNIVERSITY OF CINCINNATI FOUNDATION BOARD OF TRUSTEES, EVEREST AWARD, and INNOVATION AWARD.

Real Estate Salary

Real estate agents partner with clients so as to manage  the sale and buying of property and houses. Approximately 162,560 real estate sales agents worked in the United States as of May 2012, according to the Bureau of Labor Statistics. Real estate sales agents usually work with licensed brokers or real estate agencies, showing homes to clients and preparing documents when they make sales. Some sell commercial properties such as office buildings and store locations. Salaries for first-year real estate sales agents can vary, depending on where they work. Most individuals with this occupation move on to other jobs after 20 years in this profession.

As stated in the Simply Hired job website, the average yearly salary of a first-year real estate agent as of 2014 was $32,000. In real estate, incomes or salaries are obtained mostly from commissions. According to Move, Incorporated, a real estate company, many real estate agents get 3% on the cataloged sales price of houses.  The minimum education requirement is a completion of high school for which can be proven with a high school diploma. For this job, the Bureau of Labor Statistics states that one must have at least 1 year experience in the position of real estate sales. A real estate license can be acquired from their employer. Additional important requirements for the position are social, problem-solving, organizational, business and computer skills.

In 2014, Simply Hired says the average incomes for first-year real estate sales agents differs most notably in the South region. First-year agents in Washington, D.C. earn an annual average of $53k while the ones in Mississippi earn the lowest with $26k. Average yearly incomes in the Northeast region of the United States differ from $40k in Massachusetts and $30k in Maine. In the Western region, the average spanned from $27k in Montana to $38k in California and Alaska. Finally, in the Midwest, average salaries varies from $26k in South Dakota to $35k in Minnesota and Illinois.

BLS reported that the average annual salary for real estate agents was around $52,000 as of May 2012. But, the median income was just around $39,000. This shows that those with the highest salary pushed the total average past the median. The typical salaries for first-year real estate agents usually fall between 25-50% of their salaries. In their 1st year, real estate sales agents practice to look and approach buyers. Since they are not as skillful at looking and closing clients, first-year real estate sales agents earn less than the more experienced ones. As a consequence, they get less in shares.

The BLS calculates roughly 11% growth in jobs for sales agents and real estate brokers in between 2012-2022, which is equal to the national average for all professions. The growth of population must push demand in the available jobs for sales agents and real estate brokers. More individuals are also depending on brokers and agents to be their representations when buying house properties. Real estate occupations are extremely dependent on a country’s economy, as more properties are sold when it is strong.

Parenting is not a duty and it is not an easy journey to walk through, the way is steep and difficult but the view to be seen afterward is incomparable and vivid. It is a journey of self-discovery and growth, where your privilege and opportunity is upheld. Children are the mother’s source of inspiration, that no matter what the situation is, mothers always have a control over it.

No matter how hard the situation may seem, mothers will always have a positive outlook on life. When something is not going right, mothers always wear a smile on their faces, when everything is under pressure they always handle it calmly. Why is this? Mothers get their strength, confidence, happiness, and courage from their children. Mothers put their children in their best potential and give out their hidden talents, children are being molded by their parents like a butterfly coming out of its cocoon.

The pain and the struggle of the guidance they have to give with their children is worth it and it can be seen as a breaking open to all the possibilities in life.

Being at home all day, waiting for your husband and kids to go home, doing all the household chores is not an easy job for any mom. Mothers have been focusing on their children and husband, that they might forget about their selves. Here are some quotes that can inspire all those stay at home moms.

“My mother was a woman, and I was alone a lot. So I wanted to be a stay-at-home mom.” A quote from Donna Karan.

“My mom is one of my role models in a complicated way. I learned from her how to be a good mom. She was one of those natural moms who really took it. Her chosen profession was teaching. She loves kids. But she was extremely frustrated and unhappy because for much of my life she was a stay at home mom.” A quote from Leslie Morgan Steiner.

“I wasn’t always a writer. When I went to college and majored in fine arts, I was a painter. Then I was a stay-at-home mom.” A quote from Janet Evanovich.

“Each day that we live is a gift. Each day that we have with our growing children is a blessing. Regardless of how you feel about the day ahead, it is important to start each day with a new attitude. Make a point to not let small things bother you.”

Beauty Behind A Stay at Home Mom

“I am so happy and thankful that I made it a point be a stay-at-home mom.” A quote from Candace Cameron Bure.

These quotes give us a thought that there are mothers who choose to stay at home to guide their kids more.

“No influence is so powerful as that of the mother.” A quote from Sarah Josepha Hale

“No language can express the power and beauty and heroism of a mother’s love.” A quote from Edwin Chapin.

I hope these quotes have shown a light and has inspired you. We know that being a stay at home mom needs a lot of strength and perseverance.

“The time spent on family is not a sacrifice. You are living a life with choices; when you make the right ones, you have a good life.” A quote from Laura Schlessinger.

“As parents we are always teaching. We are lifelong teachers. The longer we live, the more wisdom we can share. Whether you are a stay at home mom or a corporate mom, remember this quote when you told your child to do something for the millionth time. It’s frustrating to repeat yourself, but it is rewarding when your child learns the lesson.”

“If you are at home raising your family, you know it is a thankless job. We don’t have the pleasure of having an hourly rate of pay. This is a job you have to love, otherwise you will quit. When you love this job of raising your family the 5 day work week won’t feel like work.”

The time spent with family is not a waste of time nor a sacrifice, the influence of a mother, the care she shows and the love that molds their children makes the reason why children are the anchor of their mother’s life.

Moments shared with family is one way of teaching a child that communication and time is an important factor to show love, to express something and this is the highest expression of appreciation. Children have many ways in showing their gratitude to their parents since children are more than thankful for their parents, and they show it in different ways. One of the important godly characters a child can have is to be thankful and full of praise. As parents are the foundation of a child’s manner and character, children should know the way to show respect and love towards their parents and the people around them.  When children appreciate, they are recognizing and enjoying the good quality and care of their parents’ love. Showing appreciation is an attitude of gratitude, along with showing appreciation you are showing kindness, politeness and respect. Children show appreciation by saying “Thank you” and “I love you”. One of the five languages, physical touch is one way of expressing gratitude and love towards a person. A touch on the shoulder, a hug, a kiss are an acknowledgment of something.

Contemporary women are concentrating on full-time mother rearing, but they don’t have to leave the paid workforce. There is a considerable option to be a stay at home professional worker and a stay at home full-time mother.

Working from home has become a trend to most professionals, as a free agent or a freelancer you have the power to choose your working hours and most of your job responsibilities are carried out from your home. To be a stay at home mom realtor is possible, but before juggling your mother duties and home duties there are considerations to be considered to be a successful realtor at home. They say it has no guarantee to excel at being a real estate agent while staying at home since balancing the two entities involve two different hurdles and challenges. The solution to these situations and become a successful real estate agent at home is to have the right pleasing personality. Thankfully, being a real estate agent is eligible and advantageous since it is a family friendly career.

With the right and pleasing personality, being a realtor is the best work at the home career for you. Your highly motivated personal goals, you can balance the challenges in being a full-time mother and a realtor. Manage your personal appointments and separate them with your professional appointments, the work demands and appointments can be taken care of when your children are at school.

The work schedule is flexible. You can decide when and how much you would like to work. A part-time or full-time basis can make you absolutely contribute with the family’s income. Real estate is a commission-based salary, thus it reflects the amount of work a person puts in.

Unlike any other professional jobs, this career in the real estate industry allows moms to work in the comforts of their home. Thus, you can still spend time with your kids. Make a decision if you wish to become a full-time or part-time realtor.

Productivity can drop up to 40 percent when a person is multitasking, thus sacrifices have to be done and work at odd hours to get the work done and in the same time you have allotted much time for your family. Always believe in yourself that you can do it, with a little patience and perseverance, you can do it.

For most stay at home women becoming a real estate agent is a smart career choice, they are independent workers who are working under the umbrella of a broker.  It is not a question to be a stay at home parent and work as a real estate professional, if it is possible and in necessity for you to travel the route of being a work at home parent, consider having this career to cope up with the eerie silence of your home as your child goes to school, be amazed of what a career in the real estate contribute to the growth of your family, and yourself.

You can still look good while fulfilling your role as a stay-at-home mom. You don’t need a lot of time or money or stay good looking even when at home. Here are some stay-at-home mom fashion style tips that will surely be helpful.

Buy a few quality, hard wearing pieces of clothing that will last for a long time. A good example is investing a quality pair of denim pants. They can be easily clothed, as well as wear and wash well. They do not restrict your movement especially when you need to chores that involve a lo of movement and bending of your legs.

Incorporate colors in your day. A lot of stay-at-home moms prefer blacks and grays for the reasons that they can make someone look slim; they are appropriate for all four seasons and they are difficult to wash. But don’t be afraid experimenting with colors. If you still want to use black pieces of clothing, you can accessorize it with bright colored pieces like scarves and necklace. You can also match your clothing with vibrant ballet flats or a colored handbag if you decide to go out.

Think of how it will fit several occasions when considering buying certain clothes. The worthiness of the clothes gets higher as the number of ways you can wear it increases. A good example is a cotton dress that you can wearing during work days, dinner nights or even just staying at home. You can accessorize it to change how it looks.

Concentrate on what is important to you. Stay-at-home moms are just as busy as working mothers, so the time to get ready every morning is very restricted. There are routines that you need to give up, like doing your hair to make it look good. Some women prefer to focus on their face than the hair, and vice versa. It’s really up to you what you will prioritize first. At the end, you should feel good about it.

Befriend patterns. It’s best to wear a patterned clothing for a busy day with your kids. Why? Patterns disguise creases and dirty fingerprints compared to plain designs. Patterns can vary from floral, geometrical shapes and stripes. Also, it is highly obvious to avoid wearing all-white pieces as they can easily get dirty. Save these clothing pieces for child-free days.

Opt for casual and washing-machine friendly clothes that are refined and not sloppy. If you prefer wearing shirts, don’t go for the ones that make you look like you’re going for a workout. Choose shirts that are comfortable and stylish at the same time. You can also wear it with layered sweaters and a cute blazer.

And stop following the trend of wearing yoga pants, at least alternate it with a good pair of jeans or a black twill. And if you can’t really help wearing yoga pants for that day, match it with a chic oversized sweater or trendy sneakers.

Do not forget the accessories as they can also affect how a simple piece of clothing looks. Choose from statement belts, scarfs, or bags.