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Word of the day

Appraisal Report

A report that contains the definition of value to be applied; the estimate and effective date of the valuation; the appraiser’s signature and certifications, along with any limiting conditions; description of the property and rights being appraised; general and specific data; sufficient justification to support the value estimate; consideration of each of the three approaches; and the reconciliation. It is common for the report to include such supporting documentation as maps, floor plans, and photos.

 

Word of the day

Antitrust Laws

State and federal laws designed to maintain and preserve business competition. 

Antitrust situations include price-fixing, certain types of boycotts, allocation of customers or markets, restrictions on competition in shopping center leases, and certain restraints placed on franchisees by franchisors. Also challenged are certain “tie-in” arrangements, as when a developer conditions a sale by insisting that the buyer promise to list the property with the developer if the buyer wishes to resell, or when a property manager attempts to force a client’s commitment to list with the manager in the event of sale. 

Certain real estate brokerage activities have come under public scrutiny by the Federal Trade Commission and the Department of Justice. These activities include the fixing of general commission rates by local boards or groups of brokers and the exclusion of brokers from membership in local boards or in multiple-listing arrangements due to unreasonable membership requirements. As a result of court cases, local real estate boards no longer directly or indirectly influence fixed commission rates or commission splits between cooperating brokers. Moreover, in some states, clients must be specifically informed that the commission rates are negotiable between client and broker.

 

Word of the day

Anticipatory Breach

A declaration of intention not to perform made by a buyer or a seller through words or acts prior to closing. At that time, the other party, not being in default, is entitled to enforce the contract in court without first having to offer or tender performance.

 

Word of the day

Antenuptial Agreement

A contract entered into by two people contemplating marriage for the purpose of settling the property rights of both in advance, also called a prenuptial (“prenup”). It is advisable for each person to have his own legal counsel to negotiate such a contract. The enforceability of an antenuptial (or prenuptial) agreement may depend on the completeness of disclosure and the existence of independent counsel for each party.

 

Word of the day

Annual Percentage Rate (APR)

An expression of the relationship of the total finance charge to the total amount to be financed as required under the federal Truth in Lending Act. Tables available from any Federal Reserve banks may be used to compute the rate, which must be calculated to the nearest one-eighth of 1 percent. Use of the APR permits a standard expression of credit costs, which facilitates easy comparison of lenders. (The act permits use of the abbreviation APR.)

 

Word of the day

Anchor Tenant

A major department or chain store strategically located at a shopping center so as to give maximum exposure to smaller, satellite stores. An anchor tenant is called a magnet store or a traffic generator. In the typical strip shopping center, two anchor stores, such as a supermarket and a large drugstore, are located at opposite ends of a mall, with smaller stores in between. This helps to generate maximum sales volume in the entire shopping center. This strategy is important to the lessor because most commercial lease rents are based on a percentage of gross sales. 

In recent years, the Federal Trade Commission has sought to limit the powers of the anchor tenant in controlling the selection of satellite tenants and their merchandise.
 

Word of the day

Alluvion

The material that constitutes the increase of soil on a shore or riverbank, added by the process of accretion. Also called alluvium or alluvial deposits, it is the fine material, such as sand or mud, carried by water and deposited on land. The words alluvion and accretion are sometimes mistakenly used synonymously.

Word of the day

Alienation Clause

A provision sometimes found in a promissory note or mortgage that provides that the balance of the secured debt becomes immediately due and payable at the option of the mortgagee upon the alienation of the property by the mortgagor. Alienation is usually broadly defined to include any transfer of ownership, title, or an interest or estate in real property, including a sale by way of a contract for deed. Also called a due-on-sale clause.

Word of the day

Highest and Best Use

An appraisal term meaning that reasonable use, at the time of the property appraisal, which is most likely to produce the greatest net return to the land and/or the building over a given period of time. The use must be legal and in compliance with regulations and ordinances within the police power of the county and the state, including health regulations, zoning ordinances, building code requirements, and other regulations. The highest and best use is determined by evaluating the quantity and quality of income from various alternative land uses. Net return normally is interpreted in terms of money, although consideration may be given to such things as amenities.

For example, vacant land in a central business district currently used as a parking lot may or may not be employed at its highest and best use, depending on whether the surrounding market is ready for further commercial development. A gas station site may be more effective as a fast-food facility or a dry cleaner.

For appraisal purposes, land is always valued as though vacant and available for development to its highest and best use. The estate taxes and the real property taxes paid by an owner of unimproved real estate are usually based on the highest and best use of the land rather than the use to which it is actually devoted.

Word of the day

Inverse Condemnation

An action for just compensation brought by a person whose property has been effectively taken, substantially interfered with, or taken without just compensation. For example, when a governmental authority announces it will condemn an owner’s property and then unduly delays in taking the property, the owner can bring legal action to force a condemnation and payment for the taking. Or if the noise of low-flying government aircraft damages the owner’s use of the land, there may be inverse condemnation, or a taking of property for which compensation must be paid. Another example is where some public works are undertaken with resultant damage to a private owner, but no condemnation action is taken by a public body. Such cases are called inverse condemnations because they are started by an owner who seeks compensation from the condemning agency and the payment is for land not directly condemned. (See condemnation.)

Courts have held that a zoning action that merely decreases the market value of property does not constitute a compensable taking actionable under a theory of inverse condemnation as long as a reasonably viable economic use exists. An inverse condemnation suit is not available before there has been an actual taking or physical interference with the subject property.

Inverse condemnation is the flip side of eminent domain and occurs when a public entity indirectly “condemns” private property by acting (e.g., a restrictive use regulation like downzoning), or failing to act when it should have, and property loss or damage results. The taking is not by legal action but by conduct. It is irrelevant whether the act or failure to act was negligent.
 

Word of the day

Equal Dignities Rule

A rule of agency law stipulating that when a contract is required by law to be in writing, the authority of an agent to enter into such a contract on behalf of the principal must also be in writing. For example, a power of attorney for real estate contracts must be in writing because state statutes of fraud generally require that all real estate contracts be in writing and that the agent’s authority likewise be in writing. Usually, the power of attorney must also be recorded if the real estate contract (such as a land contract for deed) is expected to be recorded.

Word of the day

Name, Change Of

Use of a new name. A person may change his or her name merely by using another name with the intention to make that the legal name, as long as the change is not done with fraudulent intent. However, because of potential identification problems, most parties changing their names go through a formal name change procedure that usually involves filing a petition with the proper state authorities. They may also be required to publish the change in the local newspaper for a statutory period of time.

A name change can also be embodied in a divorce decree permitting a woman to resume use of her maiden name or that of another former husband. A corporation can change its name by an amendment to its articles of incorporation, which must be filed in the state of incorporation.
People who change their names should be sure that the new name is properly noted at the registrar of titles if they own registered property and at the recorder’s office if they own any other recorded properties. For example, a recorded document should be amended to read, “Cathy Jones, being the same person who acquired title as Cathleen J. Arbuckle.”

If a person uses one name as a grantee of property and then grants the same property under another name, there will be a potential defect in the recorded title. When the second deed is recorded, it will not be recorded in the proper chain of title and therefore will not give constructive notice to the world of its contents. For example, if Patty Lee, a single woman receiving title as such and later changing her name through marriage, should convey title as Patty Wilson, there would be a defect in the record title. Patty Lee should convey title as “Patty Wilson, formerly known as Patty Lee.” An appropriate entry would therefore be made in the grantor-guarantee index so that a title company searching the title could see that the new deed was derived from the chain of title in which Patty Lee was the grantee.

It is helpful to title searchers for a married woman to continue using the name given by her parents. For instance, Patty Ann Lee would become Mrs. Patty Ann Wilson or Mrs. Patty Lee Wilson, not Mrs. Robert Wilson.

Word of the day

Straw Man

One who purchases property for another so as to conceal the identity of the real purchaser; a dummy purchaser; a nominee; a front.

At one time, it was necessary for an owner who wanted to change a title to joint tenancy from severalty to convey the property to a straw man, who would then convey it back to the owner and joint tenant. Many states no longer require that the joint tenancy be created at the same time by one and the same instrument. Thus, an owner can convey to himself and another party as joint tenants, or convey to herself and a spouse as tenants by the entirety without using a straw man.

Where several tracts of land are being assembled for development, confidentiality may be important—hence the desirability of nominees and straw men. However, a federal court has held that if the nominee misrepresents the identity of the principal, with knowledge that the seller would not have negotiated if in possession of the true facts, the seller may set aside the transaction. In addition, if the nominee or straw man exercises any managerial control over the property, then he may be held to be the real owner for tax purposes.

If a broker or a salesperson attempts to use a straw man to purchase property listed by the broke or the salesperson, this relationship with the buyer must be specifically disclosed in writing to the seller. Failure to do so may result in license suspension or revocation.

In a presale of a condominium, a developer normally must attain a certain percentage of purchases before a lender commits to lend money; straw men are sometimes used to meet this minimum requirement, though this practice is clearly against the lender’s policy and would be illegal in connection with VA and FHA loans.

Word of the day

Attornment

The act of a tenant formally agreeing to become the tenant of a successor landlord; as in attorning to a mortgagee who has foreclosed on the leased premises. Attornment establishes a new tenancy, with the mortgagee being the landlord, and acts as a defense against the defaulting mortgagor’s claim for rent.

In a long-term lease situation, an attornment agreement is typically entered into by a sublessee with a fee owner of the land and a mortgagee holding a mortgage on the fee or on the master leasehold estate. The sublessee seeks to protect his estate from destruction by reason of the premature termination of the master leasehold or from loss by reason of the foreclosure of the mortgage when the sublessor defaults. The attornment agreement provides that, in the event of termination or foreclosure, the sublease will continue, just as though the owner or the mortgagee were the lessor in a lease with the sublessee for a term equal to the unexpired term of the sublease, and upon the same terms and provisions.

Word of the day

Gratuitous Agent

An agent who receives no compensation for services. Real estate agents typically work on a payment basis contingent on selling a property. Even though unpaid, the agent still owes full fiduciary or statutory duties to the principal. This may be true even though a licensed agent may have volunteered to help a friend.

Word of the day

Deficiency Judgment

A judgment against a borrower, endorser, or guarantor for the balance of a debt owed when the security for a loan is insufficient to satisfy the debt. A deficiency occurs when the foreclosure sale of a property produces less than the amount needed to pay the costs and expenses of the action and to satisfy the obligation secured by the foreclosed mortgage. The deficiency is entered as a personal judgment against the original mortgagor and operates as a lien on the judgment debtor’s assets. It is enforceable and collectible in the same manner as any judgment at law. If this judgment proves uncollectible, the lender is probably entitled to claim a bad-debt deduction on the lender’s income taxes. In the case of a corporate mortgage, this would be a bad business debt and may fully offset against ordinary income.

In states where mortgages generally carry a power of sale, creditors must bring a separate action to obtain a deficiency judgment because the jurisdiction of a court is not invoked. If parties agree that the lender can look only to the collateral (the mortgaged property) in the event of a default, they include language to the effect that “this note is without recourse,” which has the effect of preventing a deficiency judgment. In California and other states, the mortgagee cannot recover a deficiency judgment on a purchase-money mortgage; these states have enacted so-called antideficiency legislation.

A purchaser who assumes the seller’s existing mortgage thereby becomes personally liable (along with the seller) for any deficiency. However, when purchasers buy property “subject to” an existing mortgage, they cannot be held personally liable for any deficiency; thus, upon default, the purchaser’s liability would extend only to the loss of the property.

Word of the day

Agreement of Sale

Terms that transfer ownership from one owner to another. In real estate, the agreement of sale (purchase agreement) includes agreements about price, timing, and interests. 

In a few states, an agreement of sale refers to a land contract or contract for deed.

Word of the day

Agent

One authorized to represent and to act on behalf of another person (called the principal). Unlike an employee, who merely works for a principal, an agent works in the place of a principal. The main difference between an agent and an employee is that agent may bind the principal by contract, if within the scope of authority, whereas an employee may not unless given express authorization. 

A real estate broker is the agent of the client (seller or buyer) to whom she owes a fiduciary or statutory obligation. A salesperson, on the other hand, is the agent of his broker and does not have a direct personal contractual relationship with either the seller or the buyer. This fact is relevant when a salesperson decides to change firms and becomes upset when the broker won’t let the salesperson take his listings. 

Note that minors cannot appoint an agent to execute their contracts, but an adult may designate a minor to act as an agent.

Word of the day

After Acquired

Acquired after a certain event takes place. An after-acquired title is obtained by a grantor of property after the grantor has attempted to convey good title. Upon the grantor’s obtaining good title, it will automatically pass by operation of law to the grantee. For example, Smith conveyed his farm to Jones on January 1, 2004, by warranty deed. However, Smith did not have valid title on January 1 because he held title to the property under a forged deed. On March 5, 2005, Smith did receive good title under a properly executed deed, so Jones automatically acquired good title on March 5. 

Note that an after-acquired title will not pass to a grantee under a quitclaim deed, because such an instrument only purports to transfer the grantor’s current interest in the land, if any. (See quitclaim deed.) 

Fixtures that are bought, paid for, and installed by the property owner-mortgagor are subject to the lien of the mortgage. In addition, many mortgages provide that all fixtures found on the property after the mortgage has been made are subject to the mortgage. The Uniform Commercial Code (UCC) has established guidelines to settle conflicting claims between mortgagees and chattel security claimants involving prior rights to after-acquired property, such as appliances bought on time and installed on the mortgaged premises. Under the UCC, a debtor can grant a superior security interest in such after-acquired property to a chattel mortgagee.

 

Word of the day

Affordable Housing

Housing for individuals or families whose income is a certain percentage of or below the median for the area as determined by HUD and adjusted for family size. Affordable housing projects are usually developed in conjunction with governmental assistance and/or as a condition of a development agreement with the appropriate government authority. 

The intent of affordable housing projects is to recognize the acute shortage of housing and to provide housing for persons otherwise unable to afford it. An affordable housing unit may be subject to certain conditions, restrictions, and requirements in respect of resale and occupancy requirements.

 

Word of the day

Affidavit

A sworn statement written down and made under oath before a notary public or other official authorized by law to administer an oath. The term literally means “has pledged one’s faith.” The affiant (person making the oath, sometimes called the “deponent”) must swear before the notary that the facts contained in the affidavit are true and correct. An affidavit is a complete instrument within itself, whereas an acknowledgment is always part of, or an appendage to, another instrument. An affidavit is sworn to, but an acknowledgment is not. 

The purpose of an affidavit is to help establish or prove a fact, such as identity, age, residence, marital status, and occupancy of property.

 

Word of the day

Adverse Use

The prescriptive acquisition of the right to a limited use of another’s land; for example, a pathway easement across another’s property. To acquire an easement by adverse use, the claimant must generally satisfy the same requirements as those for adverse possession, including the prescriptive period. Whereas most easements cannot be lost by mere nonuse, an easement created by adverse use can be terminated by nonuse for the prescriptive period of adverse possession.

 

Word of the day

Adverse Possession

The acquiring of title to real property owned by someone else by means of open, notorious, hostile, and continuous possession for a statutory period of time. The main purpose of adverse possession statutes is to ensure the fullest and most productive use of privately owned land. The burden to prove title is on the possessors, who must show that four conditions were met: (1) They have been in possession under a claim of right. (2) They were in actual, open, and notorious possession of the premises so as to constitute reasonable notice to the record owner. (3) Possession was both exclusive and hostile to the title of the owner (that is, without the owner’s permission and evidencing an intention to maintain the claim of ownership against all who may contest it). (4) Possession was uninterrupted and continuous for at least the prescriptive period stipulated by state law. In this regard, successive occupation of the premises by persons who are successors in interest (that is, by privity of contract or descent) can be added together to meet the continuous-use requirement. For example, a father adversely occupies a certain parcel of land for four years. Upon his death, his son succeeds to his interest and “tacks on” to his father’s four-year prior possession. Two words can serve as memory aids: POACH (possession is open, actual, continuous, and hostile); CANOE (possession is continuous, actual, notorious, open, and exclusive). 

The statutory period does not run against any individual under a legal disability (insanity) or until the individual has a legal cause of action to oust the possessor. For example, an adverse possessor could acquire title against a life tenant but not against the remainderman, who has no right to possession until the prior life estate is terminated. 

Persons who claim title to property by adverse possession do not have readily marketable title until they obtain and record a judicial decree “quieting” the title or obtain a quitclaim deed from the ousted owner. When all requirements have been met, the owner’s title is extinguished, and a new title is created in favor of the adverse possessor. The effective date of the new title, as far as the original owner is concerned, is the first adverse entry. Thus, suits by the former owner based on trespass, profits, or rents during the adverse period are barred. 

Most states do not require the claimant to have paid taxes on the property for any certain period of time (although in some states, a claimant’s paying taxes may shorten the prescriptive period). However, a court might consider that failure to pay taxes is evidence that the claimant really did not claim ownership of the property. 

The courts do not usually allow a claim of adverse possession if owner and claimant have a close family relationship, such as father and son or husband and wife, because in these cases, hostile claims are too difficult to prove. Cotenants normally cannot claim adverse possession against each other without an actual and clear ejectment of one cotenant by another.

Prescriptive rights in general are not usually favored by the law, insofar as they cause others to forfeit their rights. There is often a presumption that, when a person has entered into possession of another’s property, such possession was with the owner’s permission and consistent with the true owner’s title. 

Generally, one cannot take title to state or federal lands by adverse possession. However, the federal Color of Title Act provides that a claimant who has met all four tests of adverse possession on public land may receive a patent to such land, provided that the land does not exceed 160 acres and that all taxes are paid. The United States, however, reserves the right to all coal and mineral rights to the property. In addition, title to Torrens-registered property usually cannot be taken by adverse possession.

 

Word of the day

Advance

To give consideration before it is due.  Money is advanced by one party (such as a mortgagee or vendor) to cover carrying charges (such as taxes and insurance) on the property that were not properly paid by the other party in default.  These amounts are credited to the account of the advance-ing party.  For example,  a second mortgagee might advance delinquent first-mortgage payments of the borrower in order to prevent a foreclosure of the secured property.    

An important issue for lenders is whether a recorded mortgage securing future advances takes priority over a subsequent mortgage recorded before the date of the advance but subsequent to the recording of the first mortgage.  Other advances include additional funds disbursed under an open-end mortgage or advances made by a construction lender to a developer-borrower. 

 

Word of the day

Ad Valorem

Latin for "according to valuation," usually referring to a type of tax or assessment. Real property tax isanad valorem tax based on the assessed valuation of the property.  Each property bears a tax burden proportionate to its value, as opposed to  a specific tax per unit based on quantity, such as a tax per gallon of gasoline or package of cigarettes. 

Word of the day

Adjusted Basis


The original cost basis of a property reduced by certain deductions and increased by certain improvement costs. The original basis determined at the time of acquisition is reduced by the amount of allowable depreciation or depletion allowances taken by the taxpayer, and by the amount of any uncompensated property losses suffered by the taxpayer.

It is then increased by the cost of capital improvements plus certain carrying costs and assessments. The amount of gain or loss recognized by the taxpayer upon sale of the property is determined by subtracting the adjusted basis on the date of sale from the adjusted sales price.

Adjustments
 
  • In appraisal, the increases or decreases to the sales price of a comparable property to arrive at an indicated value for the property being appraised. Adjustments may be made for several reasons. The first adjustment is for seller concessions or conditions of sale; then for financing terms. Another is for time of sale if there has been a change in market conditions since the comparable sale. Adjustments are then made for location and dissimilarities between the physical characteristics of the subject and the comparable property. The indicated value is increased or decreased for each difference or dissimilarity. 
 
  • In real estate closings, the credits and debits of a settlement statement, such as real property tax, insurance, and rent prorations.

Word of the day

Adhesion Contract

A contract that is one-sided, favoring the party who drafted the document. In fact, an adhesion contract can be so one-sided that doubt arises as to its being a voluntary and uncoerced agreement because it implies a serious inequality of bargaining power. Courts will not enforce provisions in adhesion contracts that are unfair and oppressive to the party who did not prepare the contract. Also called a take-it-or-leave-it contract. 

Contracts with a lot of fine print, such as franchise agreements, mortgages, and leases, are sometimes challenged as adhesion contracts on the basis that the non-drafting party did not have a chance to bargain on the various provisions of the agreement. 

An insurance contract (property, title, life) also is sometimes challenged as being an adhesion contract. Courts have held that any ambiguity is to be construed in favor of the insured, and any exclusion from coverage must be clearly and conspicuously stated. Courts will also apply the doctrine of unconscionability.

Word of the day

Additional Deposit

The additional earnest money given by the buyer to the seller or to escrow under a purchase agreement. The additional deposit is usually tendered within a short period of time after acceptance of the offer. For example, the buyer might deposit $1,000 with her offer to purchase the seller’s $150,000 condominium unit and agree to pay an additional deposit of $4,000 within five working days after the seller’s acceptance. 

If the buyer breaches the contract, the seller may elect to keep all deposit money, including the additional deposit, as damages. If the buyer is late in making the additional deposit payment, the seller may be able to terminate the contract if a court holds that failure to make timely payment is a material breach. One way for the seller to ensure this result is to make the seller’s acceptance conditioned upon timely payment of the additional deposit.

Word of the day

Addendum

Additional material attached to and made part of a document. If there is space insufficient to write all the details of a transaction on the sales contract form, the parties will attach an addendum or supplement to the document. The sales contract should incorporate the addendum by referring to it as part of the agreement. The addendum should refer to the sales contract and be dated and signed or initialed by all the parties.

Association of the day

Pasadena Foothills Association of REALTORS

REALTOR Association Building of the Day...Pasadena Foothills Association of REALTORS.

Buildings are part of the culture of organizations. Think about government buildings, school buildings, banks...buildings impart a message to the community and its members. REALTOR Association Buildings are part of our REALTOR Culture.

When is the last time you visited your association? Have you ever visited other association buildings?

Association of the day

ASSOCIATION OF THE DAY - SAMPLE

Body copy for association of the day goes here

Quote of the day

What happens is not as important as how you react to what happens

How do you react to adversity? Life is full of stops and starts, frustrations and distractions. But don't let these daily confusions divert you from the excellent potential that is available to you every day. When you do encounter adversity, remember that keeping a cool head is always the right way to go. There's a solution to every problem, but's impossible to see it if you blow your top. 

Question of the day

Under an exclusive agency arrangement, the broker has a fiduciary arrangement with?

(A) The seller  
(B) The buyer  
(C) The seller and buyer  (D) The seller primarily and secondarily to the buyer
 



Answer:  (A)  The listing agreement creates an agency relationship between the broker and seller, referred to as a fiduciary relationship.
 

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Industry, Education

November 23, 2018

Brokerage, Consumer News, Residential Real Estate, Misc

November 23, 2018

Industry, Education

November 22, 2018

Education, Misc

November 22, 2018

Brokerage, Consumer News, Residential Real Estate, Misc

November 22, 2018

Brokerage, Industry, Misc

November 22, 2018

Brokerage, Education, Misc

November 21, 2018

Industry, Education

November 21, 2018

Brokerage, Consumer News, Residential Real Estate, Misc

November 21, 2018

Industry, Education

November 20, 2018

Brokerage, Consumer News, Residential Real Estate, Misc

November 20, 2018

Brokerage, Industry, Education, Misc

November 20, 2018

Brokerage, Education, Misc

November 20, 2018

Industry

November 20, 2018

Brokerage, Consumer News, Education, Misc

November 19, 2018

Technology, Industry, Misc

November 19, 2018

Brokerage, Consumer News, Residential Real Estate, Misc

November 19, 2018

Brokerage, Consumer News, Residential Real Estate, Misc

November 19, 2018

Brokerage, Consumer News, Residential Real Estate, Education, Misc

November 16, 2018

Industry, Education

November 16, 2018

Brokerage, Education, Misc

November 16, 2018

Industry, Finance

November 16, 2018

Brokerage, Consumer News, Residential Real Estate, Misc

November 16, 2018

Brokerage, Industry, Residential Real Estate, Misc

November 15, 2018

Brokerage, Industry, Misc

November 15, 2018

Industry, Education

November 15, 2018

Industry, Residential Real Estate

November 15, 2018

Brokerage

November 14, 2018

Brokerage, Consumer News, Education, Misc

November 14, 2018

Residential Real Estate, Education

November 14, 2018

Brokerage, Consumer News, Education, Misc

November 14, 2018

Brokerage, Residential Real Estate, Education, Misc

November 13, 2018

Industry, Education

November 13, 2018

Brokerage, Technology, Industry, Education, Misc

November 13, 2018

Brokerage, Industry, Residential Real Estate

November 13, 2018

Brokerage, Industry, Misc

November 13, 2018

Brokerage, Consumer News, Industry, Residential Real Estate, Education, Misc

November 12, 2018

Brokerage, Consumer News, Residential Real Estate, Misc

November 12, 2018

Technology, Industry, Education, Misc

November 12, 2018

Brokerage, Consumer News, Education, Misc

November 12, 2018

Industry, Education

November 12, 2018

Brokerage, Consumer News, Residential Real Estate, Misc

November 9, 2018

Brokerage, Consumer News, Education, Misc

November 9, 2018

Brokerage, Consumer News, Residential Real Estate, Misc

November 9, 2018

Brokerage, Consumer News, Residential Real Estate, Misc

November 9, 2018

Industry, Education

November 9, 2018

Brokerage, Industry, Misc

November 8, 2018

Brokerage, Industry, Education, Misc

November 8, 2018

Industry, Education

November 8, 2018

Brokerage, Industry, Misc

November 8, 2018

Brokerage, Consumer News, Industry, Education, Misc

November 8, 2018

Brokerage, Consumer News, Residential Real Estate, Misc

November 7, 2018

Industry, Finance

November 7, 2018

Brokerage, Consumer News, Residential Real Estate, Misc

November 7, 2018

Brokerage, Consumer News, Residential Real Estate, Misc

November 07, 2018

Brokerage, Technology, Industry, Education, Misc

November 7, 2018

Brokerage, Industry, Misc

November 6, 2018

Brokerage, Consumer News, Residential Real Estate, Misc

November 6, 2018

Industry, Finance

November 6, 2018

Brokerage, Consumer News, Education, Misc

November 6, 2018

Industry, Finance

November 5, 2018

Technology, Consumer News

November 05, 2018

Brokerage, Residential Real Estate, Education, Misc

November 5, 2018

Technology, Industry

November 05, 2018

Brokerage, Consumer News, Residential Real Estate, Misc

November 5, 2018

Brokerage, Consumer News, Education, Misc

November 2, 2018

Industry, Finance

November 2, 2018

Brokerage, Consumer News, Education, Misc

November 2, 2018

Technology, Education

November 02, 2018

Industry, Finance

November 1, 2018

Brokerage, Consumer News, Residential Real Estate, Education, Finance

November 01, 2018

Industry, Education

November 1, 2018

Brokerage, Consumer News, Education, Misc

November 1, 2018

Consumer News, Industry, Education, Misc

November 1, 2018

Brokerage, Technology, Consumer News, Education, Misc

October 31, 2018

Brokerage, Technology, Consumer News, Residential Real Estate, Misc

October 31, 2018

Industry, Finance

October 31, 2018

Industry, Finance

October 31, 2018

Brokerage, Consumer News, Residential Real Estate, Misc

October 31, 2018

Brokerage

October 30, 2018

Technology, Residential Real Estate, Education, Finance

October 30, 2018

Industry, Education, Finance

October 30, 2018

Brokerage, Industry, Residential Real Estate, Finance

October 30, 2018

Industry, Finance

October 30, 2018

Consumer News, Education

October 26, 2018

Industry

October 26, 2018

Industry, Finance

October 26, 2018

Brokerage, Consumer News, Education, Misc

October 26, 2018

Brokerage, Consumer News, Industry, Residential Real Estate, Education, Misc

October 26, 2018

Technology, Industry, Education, Misc

October 25, 2018

Industry

October 25, 2018

Industry, Education

October 25, 2018

Industry, Education

October 25, 2018

Education, Finance

October 24, 2018

Brokerage, Industry, Education

October 24, 2018

Industry, Education

October 24, 2018

Brokerage, Consumer News, Industry, Residential Real Estate, Education, Misc

October 24, 2018

Technology, Industry

October 24, 2018

Consumer News, Industry, Education

October 23, 2018

Technology, Industry, Residential Real Estate, Education

October 23, 2018

Industry, Education, Finance

October 23, 2018

Industry, Finance

October 23, 2018

Industry, Finance

October 22, 2018

Brokerage, Residential Real Estate, Misc

October 22, 2018

Industry, Education

October 22, 2018

Consumer News, Residential Real Estate, Education, Misc

October 22, 2018

Technology, Education

October 22, 2018

Brokerage, Consumer News, Industry, Misc

October 20, 2018

Industry

October 20, 2018

Technology, Industry, Education, Finance

October 20, 2018

Brokerage, Consumer News, Residential Real Estate, Misc

October 20, 2018

Technology, Finance

October 20, 2018

Industry, Residential Real Estate, Finance

October 19, 2018

Residential Real Estate, Education

October 19, 2018

Industry, Education

October 19, 2018

Brokerage, Residential Real Estate, Misc

October 19, 2018

Brokerage, Industry, Residential Real Estate, Misc

October 19, 2018

Brokerage, Industry, Finance

October 18, 2018

Industry, Education

October 17, 2018

Industry, Education, Finance

October 11, 2018

Industry, Education, Finance

October 11, 2018

Industry, Education

October 11, 2018

Industry, Education, Finance

October 11, 2018

Industry, Education

October 11, 2018

Technology, Industry, Residential Real Estate, Finance

October 11, 2018

Industry, Education, Finance

October 11, 2018

Industry, Residential Real Estate, Education, Finance

October 11, 2018

Brokerage, Consumer News, Residential Real Estate, Misc

October 10, 2018

Brokerage, Consumer News, Residential Real Estate, Education, Misc

October 10, 2018

Industry, Education

October 10, 2018

Brokerage, Consumer News, Residential Real Estate, Education, Misc

October 10, 2018

Consumer News, Industry

October 10, 2018

Industry, Education

October 8, 2018

Industry, Education

October 8, 2018

Industry, Education

October 8, 2018

Industry, Education

October 8, 2018

Industry, Education

October 8, 2018

Industry, Education, Finance

December 02, 2018

Brokerage, Consumer News, Education, Misc

October 5, 2018

Brokerage, Industry, Education, Misc

October 5, 2018

Brokerage, Industry, Residential Real Estate, Misc

October 5, 2018

Industry, Finance

October 05, 2018

Industry, Finance

November 24, 2018

Residential Real Estate

October 4, 2018

Technology, Industry, Residential Real Estate

October 4, 2018

Technology, Residential Real Estate, Education

October 4, 2018

Industry, Residential Real Estate

October 4, 2018

Brokerage, Consumer News, Education, Misc

October 4, 2018

Industry, Education, Finance

October 03, 2018

Technology, Finance, Misc

October 3, 2018

Technology, Consumer News, Education

October 3, 2018

Residential Real Estate

October 3, 2018

Industry, Education

October 03, 2018

Residential Real Estate, Finance, Misc

October 2, 2018

Industry, Finance

October 2, 2018

Industry, Residential Real Estate

October 2, 2018

Industry, Education, Misc

October 2, 2018

Industry, Education

October 2, 2018

Residential Real Estate, Finance

October 1, 2018

Consumer News, Residential Real Estate, Education, Finance, Misc

October 1, 2018

Technology, Consumer News, Industry, Education, Finance

October 1, 2018

Technology, Misc

October 1, 2018

Brokerage, Consumer News, Residential Real Estate, Misc

September 30, 2018

Technology, Consumer News, Education, Finance, Misc

September 30, 2018

Residential Real Estate, Finance

September 30, 2018

Technology, Consumer News, Industry, Finance

September 30, 2018

Technology, Industry, Education, Finance, Misc

September 30, 2018

Brokerage, Industry, Misc

September 29, 2018

Technology, Industry, Education

September 29, 2018

Brokerage

September 29, 2018

Industry, Education

September 29, 2018

Industry, Education, Finance, Misc

September 28, 2018

Technology, Industry, Residential Real Estate, Education, Finance

September 28, 2018

Industry, Finance

September 28, 2018

Industry, Finance, Misc

September 27, 2018

Technology, Industry, Education, Finance

September 27, 2018

Technology, Industry, Education, Finance, Misc

September 27, 2018

Technology, Industry, Education

September 27, 2018

Industry, Residential Real Estate, Finance

September 26, 2018

Residential Real Estate, Finance

September 26, 2018

Residential Real Estate, Finance

September 26, 2018

Brokerage, Residential Real Estate

September 25, 2018

Industry, Finance

September 25, 2018

Brokerage, Consumer News, Industry, Education, Misc

September 25, 2018

Industry, Residential Real Estate

September 25, 2018

Technology, Residential Real Estate

September 24, 2018

Residential Real Estate, Education

September 24, 2018

Residential Real Estate

September 24, 2018

Industry, Residential Real Estate

September 24, 2018

Residential Real Estate

September 24, 2018

Residential Real Estate

September 24, 2018

Industry, Finance, Misc

September 24, 2018

Residential Real Estate, Education, Finance

September 24, 2018

Consumer News, Education

September 24, 2018

Brokerage, Consumer News, Industry, Education, Misc

September 24, 2018

Technology, Industry

September 24, 2018

Industry

September 24, 2018

Technology, Industry

September 3, 2018

Brokerage, Education

September 12, 2018

Consumer News, Industry

September 14, 2018

Residential Real Estate

September 14, 2018

Residential Real Estate

September 14, 2018

Industry, Residential Real Estate

September 14, 2018

Residential Real Estate, Education, Finance

September 11, 2018

Brokerage, Residential Real Estate

September 11, 2018

Brokerage, Industry

September 8, 2018

Industry, Education

September 6, 2018

Technology, Industry

September 3, 2018

Technology, Industry

September 3, 2018

Technology, Industry

September 3, 2018

Technology, Industry

September 3, 2018

Technology, Industry

September 3, 2018

Technology, Industry

September 3, 2018

Brokerage

September 3, 2018

Technology, Industry

September 3, 2018

Technology, Industry

September 3, 2018

Technology, Industry

September 3, 2018

Technology, Industry

September 3, 2018

Technology, Industry

September 3, 2018

Technology, Industry

September 3, 2018

Technology, Industry

September 3, 2018

Technology, Industry

September 3, 2018

Technology, Industry, Education

September 3, 2018

Technology, Industry, Education

September 3, 2018

Technology, Industry

September 2, 2018

Education, Misc

August 30, 2018

Brokerage, Residential Real Estate, Misc

August 30, 2018

Brokerage, Consumer News, Residential Real Estate, Education, Misc

August 30, 2018

Industry, Education

August 28, 2018

Consumer News, Industry, Residential Real Estate, Education

August 16, 2018

Brokerage, Consumer News, Residential Real Estate, Education, Misc

August 15, 2018

Brokerage, Residential Real Estate, Misc

August 15, 2018

Technology, Industry, Education

September 1, 2018

Brokerage, Technology, Industry, Residential Real Estate

July 26, 2018

Brokerage, Technology, Residential Real Estate, Education

July 25, 2018

Brokerage, Technology, Industry, Residential Real Estate, Education

July 25, 2018

Brokerage, Residential Real Estate, Education

July 25, 2018

Brokerage, Industry, Residential Real Estate, Education

July 21, 2018

Technology, Residential Real Estate, Education

July 09, 2018

Consumer News, Industry

November 1, 2017

Brokerage, Industry, Education, Misc

July 21, 2014

Brokerage

Industry

Technology

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