Real Estate Agent Job Description

Real estate agents liaise between home owners and buyers to conduct the sale, purchase or rent of properties. They work for brokers and play a major role in assisting people buy or sell residential, commercial or industrial property. They keep and maintain an up-to-date account of property listing and other relevant housing information to stay abreast with properties available on the real estate market. They subscribe to several listing services to advertise and market properties up for sale. They also contact property and market properties up for sale. They also contact property owners to obtain information regarding a property.

As part of their responsibilities, estate agents present sales and purchase offers to clients for consideration. They advise them on property rates, legal requirements and general market trend. They also interview clients to determine their property preference or specification. Usually, they prepare a list of properties that best match the needs and requirements of clients. They visit and inspect properties in order to establish precise property value. They also proffer recommendations to clients on properties that best suit their budget and preference.

Most estate agents oversee the preparation of closing statements, purchase agreements, representation contracts and other necessary documents required for estate trade. They conduct negotiations between property sellers and buyers to establish price and other terms of sales. They also liaise with pest control operators, home inspectors etc. to ensure the terms and conditions stated in a purchase agreement are met prior to the closing of sales.

In fulfilling their role, real estate agents oversee the closing of property sales, they ensure payment is complete and appropriate documents signed. They maintain contact with clients to offer them real estate services/products and assist with the resolution of issues. They also provide consultation services to clients to recommend strategies for the speedy sale of property. They often conduct training programs for junior/trainee sales agents to enhance their sales skill. This job position requires at least a high school diploma, state license for practice and an aptitude for sales. Qualities needed for the job include persuasion, interpersonal skills and problem-solving skills.

Real Estate Agent Job Description Sample

Given below is a sample of the job description usually handed real estate agents by most employers:

  • Act as liaisons to conduct real estate trade between property buyers and sellers
  • Present sales offers to clients as well as bid on available properties
  • Carry out investigations to determine client credit status and ability to complete payment
  • Inspect properties to appraise its value and estimate the worth on the property market
  • Interact with clients to identify their requirements and proffer recommendations on properties that best suit their budgets
  • Assist home sellers in promoting their buildings on property listing services to attract clients for purchase
  • Prepare and deliver sales pitches to clients in order to secure real estate contract
  • Provide clients with a list of properties available for sale to assist them in making choice selection
  • Conduct price negotiations between property buyers and sellers to ensure a fair bargain for both parties
  • Provide clients with a tour of residential, industrial or commercial properties to showcase and explain property features
  • Carry out investigations to confirm clients have clear property titles
  • Provide appropriate reply to client’s enquiries concerning property appraisals, financing, maintenance etc.
  • Examine property premises to recommend maintenance measure required to improve the face value
  • Assist clients in evaluating mortgage options to obtain the best rate and terms
  • Attend conventions, conferences and seminars to improve existing job knowledge and expand personal network.

If you are a recruiter needing the best real estate agent to hire, you can use the sample job description above in making one for your company, for use in hiring and assigning duties to the successful candidates.

Making Money – Get Paid to Refer

Sounds simple, making money by getting paid to refer, but is it really possible to make money by just referring people. Well the simple answer is yes you can. I came across this about 18 months ago and have been slowly but steadily seeing my earnings from it grow.

We all actually play a part in this chain. I'll give you an example:

Not so long ago I was spending a lot of time on Twitter and Facebook seeing what my buddies were up to, when one of them stated that they managed all their social profiles as well as all their email addresses in one easy desktop application called Digsby. I thought that was a pretty smart idea so I downloaded the free software and now use Digsby for handling all my social networking accounts.

Now even though I did not have to pay for Digsby my buddy who referred me was able to make money by referring me, so he was 'paid to refer', and there are 1000's of really useful software tools like that you can get paid from forseeing. Also there is a digital information warehouse that you can join for free, make money get paid to refer any of the 10'000's of the products and services that you refer of their. People can download whatever they buy straight way and you get paid money for referring them straight away too.

I know people who make 1000's a month getting paid to refer, and the ones that do not are the ones who think they are there to sell, selling does not work it's as simple as finding a group of people really eager for a solution say one on "how to train Labrador puppies" and then referring the to a digital product at ClickBank to solve their problems, it's a win win situation.

The best place to learn how to 'make money money paid to refer' is from the someone who does it every day, well the people who do it every day are called affiliate marketers.

Affiliate marketers get paid a commission on everything they refer and it does not stop with digital downloadable products either, you can take a look at company's like Commission Junction, Linkshare or even Amazon just to name a few, and make money getting paid to refer tangible goods of all kinds, it really just depends on what your into.

Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a named or tiered waiting period has passed. If you die before the waiting period has passed, you usually will receive the return of your premium payments with some sort of interest.

FINAL EXPENSE WHOLE LIFE INSURANCE – This type of whole life insurance is aimed at burial and funeral expenses and other final expenses. Usually, no medical exam required and death benefit is limited to $50,000 or less.

SINGLE PREMIUM WHOLE LIFE – This whole life policy is paid for by a single lump sum payment. In return the beneficiary receives a larger death benefit than the payment.

THINGS TO CONSIDER: You may be interested in mixing and matching different types of policies. For example; There is a need for 500k immediately. As time goes on, the kids have graduated college and are out of the house, the house is almost or totally paid off. Now the need is less. In this example you may want to purchase a 330k universal life and a 20 year 200k term. This plan will save you money and still protect your family for life.

Or, you may want to mix term, critical illness, accident, universal life, or whole life in various ways depending on your needs.

RIDERS:

Waiver of Premium Rider – pays life insurance premium if you become disabled and can’t work. There is usually a waiting period and rider usually expires at age 60 or 65.

Critical Illness Rider – Rider is explained above.

Return of Premium Rider – Rider is explained above.

Guaranteed Insurability Rider – this rider allows you to purchase an additional amount of life insurance at a later date without having to prove insurability again or take another medical exam.

Term Conversion Rider – allows you to convert a term insurance policy into a permanent policy without proving insurability again.

Accelerated Benefit Rider – this rider is only for permanent life insurance policies. This rider is usually included automatically for free. It allows you to collect a portion of your policy’s death benefit if you become terminally ill with a short life expectancy, usually one year. The portion paid out is subtracted from you policy’s death benefit.

Accidental Death Benefit Rider – This rider pays in addition to the death benefit if you die from an accident.

Child protection Rider – Usually used to pay final expenses if the unthinkable happens. Often, at a nominal cost and purchased in units of $1,000.

UNDERWRITING: requirements depend on insurance carrier, type of policy, amount of death benefit, age, build chart, gender, medical history, medications, family history, motor vehicle report, and other factors.

An application is always required, although, non-medical policies usually have a simple application.

Requirements could be: Paramed (certified medical processor or nurse comes to your place of choosing, takes you through a medical questionnaire, measures your height and weight, takes blood and urine sample, possibly EKG either resting or non-resting), Medical information from your physician or hospital, Medical exam, etc.

HEALTH CLASSES – Typical health classes would be, Preferred Best, Preferred, Select Standard, Standard, and then different nicotine classes such as, preferred nicotine, select nicotine, and standard nicotine.

It is possible to be rated less than standard depending on health and underwriting factors.

You must qualify for a health class. This is chosen by the underwriter after the underwriting process is complete. The agent can only quote you the different health classes but this can change with the underwriting process.

Dedicated Hosting Servers – Choosing the Best

What are dedicated hosting servers?

Dedicated hosting servers, as the name implies, are servers leased to a single client and not shared with any others. In other words, if you were to sign up to a dedicated hosting plan, the server would be devoted and committed entirely to hosting your websites.

Why should I use dedicated hosting?

Dedicated hosting has a variety of advantages over shared hosting, particularly if you plan to run an ecommerce website or if you prefer a high level of control over resources.

The key advantages can be briefly summarised as follows:

  • CONTROL: over operating system and software applications
  • RELIABILITY: Reliability: quicker server response time and better performance as the server is not taxed by sharers
  • SECURITY: extremely high security is provided and you can implement your own security measures
  • RESOURCES: greater bandwidth available, ideal for high traffic and resource-intensive websites

What do I need to use dedicated hosting?

MANAGEMENT SKILLS

Although dedicated web hosting gives you the opportunity to fully manage your server, web hosts will provide varying levels of management for you, depending on your host and plan. In these cases, you will not need a high level of management skills.

FINANCES

Expect to pay more for dedicated web hosting that for shared.

What should I look for in a dedicated server?

RAM

It is crucial to have enough RAM. You should aim for at least 2 GB of RAM and the more the better. The number of concurrent users able to visit your site will be greatly affected by the amount of RAM you have. If you do not have enough RAM, under a significant load from a number of simultaneous users accessing your site, your site will crash (i.e. the Slashdot effect). This can particularly be a problem if you have database driven applications.

PROCESSOR

Choosing the best processor for your needs is also important. Intel Xeons and AMD Opterons are the current standard in server CPU architecture. Other CPUs are most likely outdated or are standard desktop CPUs and may not perform as well as the former under a significant network load.

DISK SPACE

Choose a plan with the amount you will need. Unless you will be serving up file and data archives and/or audio and video content (i.e. streaming media, mp3 downloads, etc) then disk space should not be a concern as all plans provide more than adequate amounts of disk space (e.g. 250 GB+). If you anticipate expansion, look into the flexibility of upgrade options.

BANDWIDTH (Monthly Transfer)

Look for 1000-2000 GB+, depending on your needs.

DATA CONNECTION SPEED

Look for 1000 Mbps, particularly if you are streaming video or have a large number of concurrent users. Otherwise 100 Mbps might suffice.

OPERATING SYSTEMS

Look for which are offered and what costs are involved. Many Linux distributions and BSD systems are available for free from the open source community, while Microsoft Windows Server involves a cost. Expect operating system updates to be provided.

MANAGEMENT / EASE OF USE

Look for how much management is included in the plan price. For ease of use, look for free inclusion of cPanel (web based administration). Look for hosts supporting server configuration, software, application, security and anti-virus updates, firewall services and monitoring. Be wary of the term “fully managed” as this means different things to different hosts. Investigate thoroughly.

SOFTWARE

What options do you have? What is included? Microsoft products? Look for control panel software.

SUPPORT

Look for 24 hours a day, 7 days a week, 365 days a year phone / email technical support.

BACKUP AND RESTORATION

Look for what backup and restoration options are provided. Some plans come with two hard drives, allowing an easy back up solution.

IP ADDRESSES

Look for more than one, particularly if you plan to do ecommerce.

UPTIME GUARANTEE

Look for hosts guaranteeing 99.9 to 100% uptime and find out their compensation if it is not reached.

WEB HOSTING PRICE

Find out if there is a setup fee. Expect to pay $200+ per month for hosting.

Who provides top rated web hosting?

No doubt you will read different opinions in different places, but based on the criteria outlined above, I have identified a few stand-out dedicated web hosts with excellent reputations for quality and reliability. You will find details of these hosts at Web Host Choice [http://webhostchoice.info]