Yes, he’s right. It’s a shame Trump is the first president in 40 years to not start any new wars, and he’s responsible for brokering two historic peace deals in the Middle East. We need a new candidate to go against this evil president.
What Remedies Do I Have When A Broker Breaks & Enters My Apartment
First I understand this is normal when your lease is coming to and end and you have received advance notice for the owner to show your apartment. However this was not the case for me and I've been leasing my apartment for well over a year... On Sunday morning (and as I was in the bathroom doing my business), a broker used a key to unlock my apartment and enter the unit. I finished my business ASAP and came running out of the bathroom to investigate what was going on. At the door was a broker I've never met in my life with what appeared to be a client behind him. He indicated he was showing the apartment. I told him it's not available and I've been living here for over a year. He looked puzzled and I escorted him out the door. I contacted my landlord via email questioning why a broker had a key to my apartment and was showing the unit and have not heard back. To be honest, I still don't know if it was a broker. I'm assuming this was all an honest mistake but I'm very concerned how easy it was for a stranger to enter my apartment (especially during COVID). Had I not been home, they would have entered my apartment unannounced and had access to valuables and my personal belongings. My landlord has still not emailed me back with any type of explanation. I still don't know if this was a broker. I don't know why they had a key to my apartment. Should I be concerned? What remedies do I have? Should I be replacing the locks on my own dime?
My experience working with Redfin and a traditional broker to sell
First off, I am a real estate investor. I don’t have a bias one way or another. Just posting my experience for reference. I sold a home in August using Redfin, never met my agent and they made it simple for me. Did I get any true consult? Maybe kinda but the realtor I worked with wasn’t local to the area and never even was willing to visit our home due to covid (I get it, but masks and hand sanitizer are likely sufficient). All in all, looking back, I could’ve gotten an extra 5k had I received better consult. It would’ve also cost me 5k extra to hire a 5% realtor. I’m in the process of selling another home right now. I inherited this from my father, recently. Redfin sent a senior agent that was focused on the Seattle market to the other side of the state and his market analysis came back with 300 square feet under what it was, told us that a home that was 400 sq ft smaller only 200 yards away from mine that recently went pending wasn’t a comparable and that my house was worth the same if not less than that one. He insisted my house was the size he thought and didn’t urge me to get it verified since I thought he was wrong. I met with two other realtors, both local, took an extra 30 minutes+ to review the house, take notes down and put time into it and experiencing how it felt to be there. One came back 10% higher than Redfin, the other over 25% higher. We went with the highest CMA, listed it and already have a full price offer. TLDR: if I went with the low commission realtor, I would’ve cost myself significantly more than I would have gotten out of working with a regular broker. Why? Time, niche-market focused, experience and care. My point of view? Home selling for more than 400k? Pay the extra. Home selling for less? Go with Redfin as long as the agent is experienced and has less than 10 listings. Maybe I’m wrong. Maybe I’m right. This is just the way I see things. Let me know your thoughts.
Broker wants me to invest in Aerotyne International?
Need some advice. A broker called and said I should invest in Aerotyne International. He said its a cutting-edge tech firm out of the Midwest and they are awaiting patent approval on some cool new radars. Said that its gonna sky rocket, what do you guys think? He already sent me a PayPal payment request, just gotta pay and secure the spot. I’m gonna be using my tuition money so I just need some advice.
Hi, so my broker is being very inconsistent with his messaging. From day one he say we would have no problem getting this loan and it's almost guaranteed to be approved. Last week he said it was with LMI and it was being held back because my partners new employment. LMI then didn't approve the application as she started a new part-time that she hasn't had previous experience in. Yesterday they said 'you will get three offers tonight' Today I got a message saying they need more times to do the numbers to make it work....and it can be another five days. The financial clause ends Monday. He is requesting a extension however I doubt we are going to get it. Honestly, does it really take this long? Can LMI not approve a application because of change of employment even though the bank approved?
Jersey may broker its own deal with the EU - Jersey's External Relations Minister has admitted that the island may see its own deal with the European Union if it feels that the arrangements at the end of the Brexit negotiating period are unsatisfactory.
Interactive Brokers increases margin requirements in anticipation of election volatility
Dear Client, As you’ve likely observed, elevated option implied volatilities indicate that the markets will be confronting elevated volatility both before and after the November 2020 election. IBKR shares that sentiment and believe it’s appropriate to start controlling leverage in a measured fashion in advance. Consequently, to protect IBKR and its customers, IBKR will increase margin requirements by as much as 35% above normal margin requirements leading up to the November U.S. election. To illustrate, consider a Reg. T margin account with stock XYZ having an Initial Margin requirement of 50% and a Maintenance Margin requirement of 25%. With the increase fully implemented, the new requirements would be 67.5% Initial and 33.75% Maintenance. Accounts subject to risk based margin will have their scanning ranges increased in a similar manner. This will be implemented gradually each day, increasing Initial margin requirements from normal levels starting September 28th to a rate that will be 35% higher by October 23rd. Maintenance margin requirements will increase in a similar manner between October 5th and October 30th. The new requirements will be implemented each day, after the market closes in New York, and will be effective the next trading day. IBKR may make additional changes to the margin on certain products, or all products, depending on volatility. This includes changes built into the standard margin model as well as any new house margin requirements that may be imposed. Interactive Brokers Client Services
Christian Tybring-Gjedde, a right-wing member of the Norwegian parliament, has nominated Donald Trump for the Nobel Peace Prize for his role in brokering a peace between Israel and the United Arab Emirates (UAE).
My Thoughts on Zillow Joining the MLS & Becoming a Broker
Hey everyone, I know we've all heard the news of Zillow entering the broker's side of things. I currently operate in Phoenix so I've worked with Opendoor, Offerpad, Redfin, and Zillow before. Here's my two cents on what I think we can expect with the industry. First, it's not the end of the world. Realtors will never go away in my opinion. Will our industry and career change? Absolutely, just like every industry in the world right now. Redfin has been doing what Zillow will begin in January. I've seen Redfin agents at open houses and follow up with them after they view a listing. Redfin's buyers agents definitely are newer to the industry. Think about it, you're driving around town all day to show homes. It's the grunt work. Use their inexperience to your advantage. This shift in the industry will weed out agents that do this part time as well as ones that hold little value to their clients. I genuinely think this is just another big name Brokerage coming into the space. Think EXP, Keller, Coldwell Banker. However, In the near future I do see commissions being cut to around 4%. Some things I do to give more value to clients -Weekly market update videos. I use BombBomb video to do a 1-2 minute video catching people up with the past week of home numbers, mortgage rates, unemployment, mortgage forbearance, etc. -Understand basic ins and outs of a home. Be able to give ballpark estimates of repairs and renovations. -Understand and keep up with your market's jobs, infrastructure, demographics, and future plans for the city you operate in. -Know basic mortgage data and information. -Have great resources for contractors, painters, landscapers, all that jazz -Be HONEST. If you see any red flags in a home let your clients know. With every transaction I always act as if I'm representing my parents. If something comes along that that concerns me, I would let them know! -Answer your dang phone. Be available even at 9pm at night on a Friday. Answer emails, texts, calls ASAP. No, it is not weird if you answer an email within 1 minute of receiving it. I've even have been thanked and complimented on answering back to clients so fast. Bottom line, we need to provide MORE value ladies and gentlemen. Don't just be an agent, be a real estate consultant, advisor, AND an agent. Build a brand around yourself. Remember, 95% of what makes a good agent is the individual. The other 5% is the brokerage they work with. Use the lack of experience from these companies to your advantage!
A member of the Norwegian Parliament nominated President Trump for the 2021 Nobel Peace Prize. Christian Tybring-Gjedde, who leads Norway's NATO delegation, told Fox News that Trump's role in brokering peace negotiations between Israel and the United Arab Emirates was a singular achievement. "For his merit, I think he has done more trying to create peace between nations than most other Peace Prize nominees,” Tybring-Gjedde said. (emphasis mine) Tybring-Gjedde told the Nobel Committee in his nomination that the deal could precipitate several other peace deals between Israel and other countries in the region. He called the negotiation a "game changer" for the Middle East. "As it is expected other Middle Eastern countries will follow in the footsteps of the UAE, this agreement could be a game changer that will turn the Middle East into a region of cooperation and prosperity,” he wrote. Tybring-Gjedde also cited other foreign policy decisions made by the Trump administration in his nomination, including his work in Pakistan, North Korea, and South Korea. He also noted that Trump has been working to minimize the presence of U.S. troops in Afghanistan as part of his larger effort to avoid new wars. "Indeed, Trump has broken a 39-year-old streak of American Presidents either starting a war or bringing the United States into an international armed conflict. The last president to avoid doing so was Peace Prize laureate Jimmy Carter,” Tybring-Gjedde wrote. (emphasis mine) Tybring-Gjedde, who is a member of Norwegian's libertarian Progress Party, said that he did not nominate Trump because he is a fan of the man. He added that the Israel-UAE deal was much more important to world peace than anything that President Barack Obama did prior to winning his Nobel Peace Prize in 2009.
Saved for a decade. Close to buying a home. Mortgage broker says I saved too much?
Full disclosure I grew up in a poor single parent family with no professional connections. I was almost a PR person making cold calls for minimum wage but went back to school immediately after getting a college diploma from Sheridan, applied myself and got lucky with work. Since then I’ve paid off my debt, still mostly lived like a college student and saved... obsessively. All told between my wife [31F] and I [34M], we have $447,000 CAD saved for a home. (We also have retirement savings.) We don’t have any debts right now. This was, until recently, mostly invested but I pulled everything out because it’s in the US (where I’m working until probably next year) as I was hoping to jump on favorable exchange rates to move it to CAD. I was shocked when I talked to a mortgage broker who said I don’t need all this for a down payment and should only put 20% down. Now I’m totally lost on what to do with this money or how to plan for the next few years. Realistically, 20% down would be <$140K. Should I put the rest back in the stock market in the US? Should I ignore her and pay a bigger down payment? A few tricky circumstances: I’m probably moving back to Canada from the US next year and have to move money beforehand or it’s taxed, I believe [edit: this is wrong, it will not be taxed if I move it after I return to canada]. To move back, I may lose my high paying job and won’t likely get anything close to my current salary, meaning a house that’s affordable now might be tougher in the future. I feel totally lost and worried that I’ll mess this up with big consequences, considering the stakes involved. TLDR I saved $450K for a down payment but my broker says I only need $140K. Is she right? What should I do with this money?
Interactive Brokers: Brexit account migration = insurance drops from 500k USD to 20k EUR
Is anyone else concerned about this? They are migrating from UK to Hungary, Ireland or Luxembourg: https://ibkr.info/node/3515 Main reason I used IB was safety/regulation. After this migration we lose FSCS & SIPC protection, compensation will be the same as e.g. DeGiro or Trading 212 (20k EUR), for me there is no point to stay on IB any longer as I much prefer Trading 212's modern platform. What are your thoughts?
In 2018 IBKR established Interactive Brokers Luxembourg SARL (“IBLUX”) which received regulatory authorization in November 2019. In addition, we are in the process of creating two additional brokers based in the European Union: Interactive Brokers Ireland Limited (“IBIE”) and Interactive Brokers Central Europe Befektetési ZRt (“IBCE”). We expect the majority of the clients based in Western Europe will be migrated to IBIE, those in Central and Eastern Europe to IBCE and a select group of clients to IBLUX. Currently, provided they meet eligibility requirements, IBUK clients may be protected in relation to investment services under the UK Financial Services Compensation Scheme (“UK FSCS”) at an amount of up to £50,000. As IBUK clients are carried by our US broker, IBL, the securities segment of their account may be eligible for insurance by the Securities Investor Protection Corporation (“SIPC”) at an amount of up to USD 500,000. Under the EU Brokers IBLUX, IBIE and IBCE eligible claimants may be entitled to claim compensation up to a maximum of EUR 20,000.
Later update - currently for IBUK, the protection amount depends on what you are trading with:
If you trade with forex, CFDs, non-US stock index options or futures, you are protected by the FSCS, up to £85,000.
If you trade with stocks, bonds, funds or US stock index options, you are protected by the US investor protection, i.e. $500,000, with a cash limit of $250,000.
Called my insurance broker and found out that it costs double to insure a 2020 cbr 650r than it does a 2020 BMW s1000rr
Been looking into changing my ride and was shopping around for shits and giggles with different bikes when I started asking them to quote me for the cbr 650r and cbr 1000rr as well as the s1000rr. turns out the cheapest one to insure is the s1000 at 180 a month for full coverage I am 27 years old with 6 years of riding experience and no tickets or crashes in LA I thought the 650 would be cheaper since it's not considered a super sport
I'm continuing my me1 character to me2 and they are a really high paragon character. I romance Liara in me1 so I have her picture in the normandy quarters. I want to continue the relationship instead of going with tali. It the content worth it? And do I get to invite Liara to my cabin? I heard she isn't a permanent squad mate.
A broker generally has more training than an agent and handles some of the more technical parts of a transaction Finally, a realtor is a member of the realtors' association. You are about to close this transaction. The following items will be processed automatically: - Calculate and finalize commissions Define broker. broker synonyms, broker pronunciation, broker translation, English dictionary definition of broker. n. 1. One that acts as an agent for others, as in negotiating contracts, purchases, or sales in return for a fee or commission. 2. A stockbroker. 3. Broker definition, an agent who buys or sells for a principal on a commission basis without having title to the property. See more. BrokerCheck is a trusted tool that shows you employment history, certifications, licenses, and any violations for brokers and investment advisors.
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