Tips on Finding and Booking Car Rental Specials on the Internet

Car rental specials are a great way to get a cheaper car rental. They allow car rental companies to get their vehicles booked in advance and allow you to save money!

You can access car rental specials through each individual company’s website or through booking sites such as Expedia, Hotwire, Priceline, etc. In doing some research, I found that the majority of the rates found on the booking sites were the same as the non-discounted rate through the company directly.

I would definitely check both to get the best rate possible. I did find cheaper rates with prepaid booking sites (where you pay for the rental up-front) but these usually allow no modifications or cancellations of the reservation. If you are booking through a prepaid booking site, make sure to read the terms and
conditions very carefully and keep these factors in mind when you are checking prices.

When you are checking a company specific website, check the rate first with no discount, then with a discount code (if you have one), and with the special offered by the company. This way you are sure to get the cheapest rate offered.

You should always check the terms and conditions for any specials to make sure that your particular rental qualifies.

Common terms and conditions are listed further down.

On the car rental company websites there are basic types of specials that most offer.

% Off Car Rental Specials

These types of specials can range from 10% to 50% off rates; usually weekly or weekend rates. Sometimes you will see seasonal specials or midweek specials or one-way specials.

Prepaid Car Rental Specials

Many rental companies will offer car rental specials if you prepay the reservation on their website. This will involve providing your credit card at the time of booking and the amount of the rental will be billed right away.

$ Off /Free Day Car Rental Specials

Many rental company websites offer $ off and or Free Day car rental specials. This would be considered an internet coupon offer. This can range from $5 – $50 off depending on the company and the length of the rental or the price per day if it is a Free Day offer.

Location Specific Car Rental Specials

Many companies will offer specials at either airport locations, neighbourhood locations or both. They may also offer car rental specials in specific cities at certain times.

The terms and conditions for most specials are:

Most specials are limited to specific car types and sizes, unless the special is for “all car sizes”.

Most specials have a minimum and a maximum rental period. Make sure that your rental conforms to these guidelines.

Most offers are not valid in conjunction with any other rate programs or special offers, and cannot be used with a coupon or on a one-way rental.

Any % off/ money off or free day specials will be on the base rate of the vehicle only, and will not apply to the taxes and surcharges at the location or any optional equipment or waivers that you may purchase.

Check for date restrictions. Most offers will require an advance reservation and are only available for a specified length of time. Look for terms such as

“Available through” a certain date (must be booked and rented before such date). This will sometimes be worded as “Offer expires by…” or “Rental must begin by…”

Look for the term “blackout dates” Most companies restrict their offer at peak times and holidays. Keep in mind that peak times can vary by location. If there is an annual large convention in a certain city and the rental locations are extremely busy they will generally blackout specials for that time. This
applies to large events as well (example: Nascar Events, PGA tour events, Mardi Gras, etc.) If the blackout dates are not listed, you should be able to call or contact the rental company to find out the specifics.

Most offers are available at “participating locations” and usually restricted to certain countries. Check to see if the offer is available at airport locations, urban locations, suburban locations or a combination of these.

Many companies do not offer specials in the New York are, Alaska or Hawaii. Check your terms and conditions for these restrictions.

For a prepaid booking special you will need to present the same major credit card you used to book the rental at the rental counter. The name on credit card and the name on the driver’s license must match. You cannot use someone else’s credit card to prepay your reservation.

For most prepaid car rental specials and advanced reservation is required. You usually have to book and prepay the rental at least 24 hours before you go to pick it up.

Debit cards are generally not accepted for prepaid reservations.

Even if you book a prepaid reservation online, you cannot cancel them online. You must call the company directly to cancel or modify. Keep in mind that if modifying, you are basically cancelling the reservation and rebooking; this will often affect your rate. Check to see if and what the cancellation and no-show policy is for prepaid car rental specials.

Many companies offer specials only available to subscribers – sign up for email notifications for any car rental companies you prefer.

For more tips on car rental specials,discount codes,coupons,policies and more, please visit my website below.

3 Tips For a Budget Holiday Road Trip

Looking for budget travel plans for your next long weekend holiday? A road trip might be your best shot!

1. Rented cars is the most economical solution for road trips.

Car rental companies normally offer a variety of ‘holiday car rental’ packages for holiday travelers to select from. These packages have to be affordable for travelers who are on budget and also wants to have a free & easy driving holiday.

Holiday car rental has been appealing to seasoned travelers and lately has attracted younger travelers that want to explore places that are less travelled. Competitive holiday car rental rates help travelers to save money and enable them to go to places less-travelled where ordinary holiday travelers are unable to explore.

With the advent of intra-Asia travel, holiday car rental will continue to grow as it offers the benefit of leisure travel at individual pace. As a result, many rental companies are aggressively marketing their holiday car rental program to meet the discerning needs of travelers. Several rental companies have seen double digit growth and demand continue to increase for this segment of the business.

2. Plan your route wisely. Use Google Map or GPS Navigation.

A traditional way of planning your driving route is to purchase a printed map from a bookstore. Today, it is a lot more convenient to just route your journey on Google Map, then just print out the map with specific driving directions. But for the adventurous travelers, a GPS navigation system is their best choice. And more than often, a GPS Navigator is included in your rented car for just a little extra money.

3. Travel packages for overnight trips – Low cost and safety.

If you are planning an overnight stay, then you should check with your rental company for any travel packages available. Many do offer competitive travel packages to attract budget holiday travelers. Working closely with travel agencies, they are able to offer special rates on hotels, motels and inns, which sometimes also provide occupants with complimentary breakfast.

It is also usually safer to go with the hotels, motels or inns associated with your rental company. Their relationships with your rental company should indicate that they meet a certain quality standard and are more trustworthy.

What Is the Drug, Bath Salts?

Marketed under various names, including, “Bath Salts”, “Ivory Wave,” “Purple Wave,” Vanilla Sky,” and “Bliss”, the drug, MDPV has been the cause of numerous emergency room visits and thousands of calls to the Centers for Disease Control and Poison Control Centers over the last couple of years.

Bath Salts is actually a powerful stimulant that also has hallucinogenic properties. A relatively new psychotropic drug, it reportedly creates effects similar to other stimulants such as wakefulness, rapid heartbeat, reduction in appetite and anxiety.

However, this substance causes other, more worrisome and dangerous effects such as psychotic delusions, thoughts of suicide and violent behavior.

Are they really for the bath tub?

No, they’re not. They are labelled that way to avoid legal restrictions. Each packet is even clearly marked with, “Not For Human Consumption”, making it difficult to classify them as drugs. But the real purpose is definitely substance abuse. These packets contain various drugs, including the compound 3,4-methylenedioxypyrovalerone (MDPV) or 4-methylmethcathinone (mephedrone). A dangerous designer drug, MDPV is popular with teens and some in the military because it doesn’t show on drug tests.

A recent report from the Centers for Disease Control, between November 2010 and April 2011 in one county in Michigan, 35 persons who had ingested, inhaled, or injected “bath salts” visited a Michigan emergency department. Among the 35 patients, the most com­mon signs and symptoms of toxicity were agitation (23 patients [66%]), tachycardia (22 [63%]), and delusions/hallucinations (14 [40%]). Seventeen patients were hospitalized, and one was dead upon arrival at the ED.

So how can a product as apparently dangerous as this be sold legally to the public?

Any product sold in the United States that is classified as a drug must be approved by the Food and Drug Administration. The product is then classified according to criteria such as likelihood of abuse, it’s addictive potentials or any possible medicinal value. Then it can be sorted into one of several categories.

When a substance does not pass review along these guidelines, they are classified in the Schedule One category. These substances are not legal for any purpose.

But what if it’s NOT a drug? What if it is only an additive for the bath tub? Now special legislation is needed to outlaw it. This is the case with several of these new substances of abuse, bath salts is only one. Another is called “Spice”. Also known as K-2, spice is a drug that is labelled as incense in order to bypass legal requirements of a drug.

Many states have passed emergency legislation to outlaw these specific chemicals, but the makers just alter the compounds slightly, just enough to again slip through the legal nets.

Our best bet in the fight against these tactics is simply this, make the public aware of the dangers and very real consequences of using these chemicals. If enough truth about bath salts and spice or whatever comes next is pumped into the environment, repeatedly, we’ll see this latest and nearly craziest drug fad fade away and become a joke like “smoking banana peels” became back in the ’60s..

The Most Iconic Style on Feet – UGG Boots

When searching for the most sought-after accessories online, you will find that a kind of footwear is extremely popular among a large part of keen fashionistas. With such a chic pair on your feet, you will feel comfortable throughout the cold days, and create trendy look in front of others. What is it? It’s UGG boot.

As far as I’m concerned, besides luxury watches, designer handbags and Tiffany jewelry, UGG is one of the hottest words all around the globe. When it comes to buying shoes for freezing cold days, UGG boots are always the top one in the list. Thanks for their comfort and functionality, people of any age are spotted wearing them. Even some celebrities tend to wear a pair of them to pair with her fashionable clothes when she is invited to the red-carpet situation. It is not bold to say that beside UGG boots, there is no one that can make such a renown feet style.

Made with twin-faced sheepskin, these boots will make you feel incredible warm and comfortable. While, do not just regard that they are specially for freezing cold days. Actually, sheepskin also has the ability to keep the body temperature normal even in hot days. If you are tired of wearing high heels everyday, you could have a try with UGG to create a fresh casual look. After all, wearing shoes with heels everyday is harmful for your feet.

I guess that some of you would consider these boots as unfashionable and will make a big feet look. Actually, that is absolutely wrong. Though they look big, they will make a chic and refined look. Now they come in a variety of styles, sizes and colors. No matter which style you are searching for, you can always find the suitable one to fit with any kind of apparel you are wearing.

The genuine boots never come up with cheap prices, so you are not recommended to buy them of the season. Instead, you should wait until the seasonal or clearance sales begin. That will help you to save a lot of money.

In a word, the great popularity of UGG boots truly proves that they will never go out of fashion. If you want to keep up with the fashion trend and make feet feel pretty comfortable at the same time, just go ahead to add a pair of them to your wardrobe.

Combining Accupuncture and Modern Medicine in Infertility Treatments

You might think that acupuncture and modern medicine do not mix. Acupuncture is a traditional treatment that has no absolute scientific proof. Modern medicine is an image of rigidity that uses scientific processes and methods to get results. But a combination of accupuncture and modern medicine has been found to actually benefit you in treating your infertility.

Acupuncture is a traditional for of medicine. It originated in China over about thousand years ago. It uses needles inserted in to the human body at very specific entry points to control the body’s chi. This so called chi is believed to be the energy flow of the body and, by inserting needles in its path, the flow can be redirected to places where the body needs energy.

Even in its traditional use, acupuncture has been found very helpful to people suffering from infertility. Ancient Chinese documents describe how it affects the body to regulate menstrual cycles and help out with pregnancy. Today, we know that acupuncture does this by stimulating the nervous system of the body. Although the actual process is still a mystery to medical science, it has been shown that acupuncture helps the body regulate itself better, leading to better blood flow and blood pressure and better hormonal production. This helps a body suffering from infertility due to malfunctioning organs and hormonal imbalances return to normal. You can find this very useful if you have been diagnosed with conditions that affect infertility through hormones like hyperprolactenemia or polycystic ovarian syndrome (PCOS).

In combination with modern day procedures like in vitro fertilization, acupuncture has been shown to be a very effective partner treatment. Recent studies have shown that acupuncture boosts the success rates of treatments like in vitro fertilization (IVF). IVF is an advanced medical procedure that can be very expensive, costing up to $12,000 per cycle. This isn’t helped by the fact that the procedure is not always 100%. According to the Society for Assisted Reproductive Technology (SART) only 40% of IVF procedures result in a successful pregnancy. This number lowers further as you go pass certain ages. The boost that acupuncture gives can be indispensable if you are on a budget or are past the statistical prime ages of reproduction (around 35 for women). Because of this boost, some clinics actually require sessions of infertility in correlation to their IVF treatments.

These sessions may be scheduled in advance as acupuncture can sometimes take months to prepare the body properly. In the case of IVF, it may take up to 4 months of preparation to get the body ready for the procedure.

You can also use acupuncture as a supplementary treatment. It has been shown to be a very effective stress reliever. Stress can sometimes affect pregnancy and fertility negatively and work against your treatments and medications. Acupuncture can help you relieve some of the unwanted stress levels and make other medications work better. It can also help you heal faster. Medical bills can quickly pile up on you with every day you stay in a hospital bed. Faster healing can help you reduce costs.

Acupuncture is relatively cheap and safe. You may hear about acupuncture horror stories where the needles are broken and left inside the body, or the needles accidentally puncture organs, or disease and infections being spread through them but these are due to human errors. You can avoid these situations by choosing your acupuncturist well. Some states have acupuncture regulatory boards that you can consult in selecting your acupuncturist. Some medically trained doctors also perform acupuncture. Check your acupuncturist’s license and experience before selecting one.

Accupuncture is a real traditional treatment that found its way into the modern world. We may not understand it fully yet, but we can benefit from it. In today’s world, combining the old and new can sometimes give us fantastic results. Just the thing you might need in dealing with your infertility.

How to Cure Hemorrhoids – Get Free From Pain and Discomfort Through Natural Treatments

Hemorrhoids, being a distressful condition, bring discomfort and pain that any other fatal skin disorders can cause. How to cure hemorrhoids is a question frequently asked by those who continuously suffer from this disease. And despite the hopeful promises of over the counter creams to cure hemorrhoids, they can never assure solution to everlastingly relief from this ugly disease.

Not to give a second thought to natural treatments though will guarantee comfort and immediate cure to hemorrhoid. Although the speed of the process may depend on how consistently you follow fundamental rules of their application. Here in this article, you will learn the basic natural cure to hemorrhoid that are not only easy to follow, but are safe and effective too.

A Sitz baths has been proven effective cure to hemorrhoid. This is how it is done: Pour a warm water into the tub, then add salt. Wait for 10 minutes and then sit on the tub for about 10-15 minutes. Do this everyday to achieve relief from pain and itch and later on, cure hemorrhoid for good.

Application of Witch Hazel is another powerful solution. It helps to control swelling as well as bleeding. You can put it right on the area or extract its oil and use cotton to apply it on the affected area. It should be applied 3 times daily until symptoms disappear.

Coconut oil is also found to be beneficial in treating painful and bleeding piles. Wipe the area daily using this oil to get instant relief.

Improving the diet by including more of fibers found in whole grains, fruits and vegetables lead to smooth defecation hampering the further growth of the hemorrhoids and lessen the itching and pain.

Practice good anal hygiene if you want to cure your hemorrhoids naturally. This is to prevent the bacteria that builds up around the anal area is the one that worsen the condition of hemorrhoid.

Are these natural treatments effective? Yes of course, given that you know how to discipline yourself in following routines that beneficial to you in the first place. So if you are into eliminating pain through the cure to hemorrhoid, then start today.

How To Make A Membership Website And Make It Profitable

Learning how to make a membership website is the beginning of pursuing quite a productive venture. To learn to do so, you must begin by knowing what elements or factors contribute to a profitable membership website.

The Business

It is important to understand that the blog or the website itself is not the business. Instead, they are the tools that you need to use appropriate in implementing the business model or plan that you have created. Even before you put up a website, it is crucial that you carefully plan and map out the course you want to take in pursuing your business.

In making the membership site, you must first determine what it is that you want to achieve through the site. Identify what it is that people seek you or your website for. Settle on how you want to provide this particular need of your target audience. Identify, first and foremost, what the business is and from there, you have to decide on how you can provide your customers with their needs.

The Demand

While it is true that you would consider setting up a membership site in order to make money, it is sometimes not advised that you do it for this purpose alone. In line with this, you must also understand the importance of demand in building your website. Determine if there is a demand for in your market. This can be achieved by performing a survey with your clients and asking about what it is that they like to know more from you. This can also help in discovering other things that people like, which might have not yet crossed your mind. Listen to your clients in order to find out what their demands are.

The Relationship

The success of a website also relies on how good your established relationship with members is. Your members are the ones who are most likely going to be your buyers. Put yourself in a buyer’s position. You are most probable to buy products or avail services from someone that you know. Thus, you have to make yourself known to your clients and you must also know more about them as much as possible. In building a good relationship with your members, you have to have constant communication with them. Cultivate trust in your relationship with your members so they will think of you each time they need to purchase something.

The Beneficiaries

A membership website’s benefit is two-way. It benefits you by driving in more money to your account from your members’ fees and payments. On the same note, the website also benefits the members as they are able to obtain what they need from it. To ensure that both you and your members are benefitted, you must always ensure that your contents are of the best quality. Offer your clients with the best product and always provide them with what they actually need.

The Marketing

Your task does not end once the membership website is put up. Instead, you must think of ways on how to effectively market the website. Marketing involves reaching more people and letting them know about your business and what great things they can achieve from it.

The Good Things About Travel Nursing

If you have been given the chance and have passed the qualifications of one full year, a career in travel nursing might be in the works for you. This career path may add a whole new exciting chapter in your life and in the life of your husband or wife or your partner in life. This will also give you the chance to go to a different place and get paid for doing your profession as a nurse. The best thing about it is that more often than not your board and lodging will be paid for and you will be provided with travel insurance. Now how do you define travel nursing?

There are countries around the world that are starting to feel the shortage of nurses. This includes some first world countries. According to a United States government study, by the year twenty-twenty, the nursing field in the nation may come up short of about one-million nurses because the rise in the demand for this career is far lower than the number of people choosing to pursue a career in nursing.

The interesting thing about this scenario is that the financial aspect is not the biggest reason for this. The main reason why nurses jump onto the bandwagon is that they are not satisfied the working environment and policies found here. Another first world country that is experiencing this major problem is Australia. But the Australians have different reasons for this shortage. These reasons are the absence of care for children and superiors that are not very appreciative.

Your options
The good thing about this new career is that the person applying as a travelling nurse is in total control where he or she wishes to work and he or she can dictate the length of his or her tenure. If your choice is to work within a big city, then it is best for you to ask for a placement in any of the big city hospitals like the ones in New York City or Los Angeles. But if you are well experienced in working in a rural setting then it might be best for you to look for a placement in a similar setting nut in a different area. At first, the lengths of contracts given to travelling nurses are on a short term basis. In the United States of America it usually lasts from one to three months. This allows you the chance to move to another place quickly as soon as your contract expires or if not, you have the option to go back to your original area of work. Another option is that you could entertain the thought of asking for an extension of your contract.

Travel nursing also allows the nurse concerned the option to bring along his or her partner or spouse to where he or she will work. There are some establishments in other countries that offer board and lodging available for couples. But if you want to set out as a travelling nurse alone, you will be offered the option to board and lodge with other fellow travelling nurses which should give you a great chance to make new friends. This will also give you the chance to learn from the other travelling nurses the places that are not suitable to go to and practice nursing.

If you are tired and burned out of working in the same hospital day in and day out, becoming a travelling nurse might be the solution to this.

Online job hunting
The notion and misconception that the only things nurses do is to follow what the doctor needs them to do and wear that crisp white uniform is absolutely a misconstrued idea. In today’s medical field, the duties and responsibilities of those practicing in the nursing field have grown differently. And because of this, nurses have achieved a different identity other than just merely taking down doctor’s orders. There are a lot of nurses achieved leadership status in the medical field are will not be satisfied by mediocre work. The travelling nurse is another important addition to the growing fields in the nursing profession. This offers more chances for nurses to grow in another field of nursing.

One of the biggest advantages that a nurse can have is the training he or she can get regarding management fundamentals and experience in surgery. There are a lot of schools, colleges and government agencies that offer degree courses in nursing. If you are one of those who want to pursue a career in nursing, you will find a lot of job opportunities that may help you advance in your career as a nurse.

An Attractive Job
Here are some reasons that make the job of a travelling nurse so attractive. A vacancy for a travelling nurse is considered to be an attractive job vacancy. This speaks well especially for women because they are the dominant gender in this field of medicine. One of the reasons why this is a very attractive job for nurses is because it offers the nurses the freedom to travel to different locales. Being a travelling nurse does not limit you from working in the United States of America. Being a travelling nurse will give all the ones applying for a job the chance to work abroad.

Another reason why the travelling nurse has become an attractive job is because of the chance to earn a really good salary package that should always include travel insurance, occupational bonuses, board and lodging and other monetary incentives.

As far as these job vacancies in the United States of America is concerned, one can find these nursing job vacancies by simply browsing through the internet. With a little help by researching through the internet, one can visit websites that offer job vacancies that include opening for travelling nurses. These listings are actually updated regularly. The one thing you can do is to simply choose the right description for you.

There are some online companies that can help you get the necessary travel papers like visas and passports and most specially your working permits.

Home Buyers and Sellers Real Estate Glossary

Every business has it’s jargon and residential real estate is no exception. Mark Nash author of 1001 Tips for Buying and Selling a Home shares commonly used terms with home buyers and sellers.

1031 exchange or Starker exchange: The delayed exchange of properties that qualifies for tax purposes as a tax-deferred exchange.

1099: The statement of income reported to the IRS for an independent contractor.

A/I: A contract that is pending with attorney and inspection contingencies.

Accompanied showings: Those showings where the listing agent must accompany an agent and his or her clients when viewing a listing.

Addendum: An addition to; a document.

Adjustable rate mortgage (ARM): A type of mortgage loan whose interest rate is tied to an economic index, which fluctuates with the market. Typical ARM periods are one, three, five, and seven years.

Agent: The licensed real estate salesperson or broker who represents buyers or sellers.

Annual percentage rate (APR): The total costs (interest rate, closing costs, fees, and so on) that are part of a borrower’s loan, expressed as a percentage rate of interest. The total costs are amortized over the term of the loan.

Application fees: Fees that mortgage companies charge buyers at the time of written application for a loan; for example, fees for running credit reports of borrowers, property appraisal fees, and lender-specific fees.

Appointments: Those times or time periods an agent shows properties to clients.

Appraisal: A document of opinion of property value at a specific point in time.

Appraised price (AP): The price the third-party relocation company offers (under most contracts) the seller for his or her property. Generally, the average of two or more independent appraisals.

“As-is”: A contract or offer clause stating that the seller will not repair or correct any problems with the property. Also used in listings and marketing materials.

Assumable mortgage: One in which the buyer agrees to fulfill the obligations of the existing loan agreement that the seller made with the lender. When assuming a mortgage, a buyer becomes personally liable for the payment of principal and interest. The original mortgagor should receive a written release from the liability when the buyer assumes the original mortgage.

Back on market (BOM): When a property or listing is placed back on the market after being removed from the market recently.

Back-up agent: A licensed agent who works with clients when their agent is unavailable.

Balloon mortgage: A type of mortgage that is generally paid over a short period of time, but is amortized over a longer period of time. The borrower typically pays a combination of principal and interest. At the end of the loan term, the entire unpaid balance must be repaid.

Back-up offer: When an offer is accepted contingent on the fall through or voiding of an accepted first offer on a property.

Bill of sale: Transfers title to personal property in a transaction.

Board of REALTORS® (local): An association of REALTORS® in a specific geographic area.

Broker: A state licensed individual who acts as the agent for the seller or buyer.

Broker of record: The person registered with his or her state licensing authority as the managing broker of a specific real estate sales office.

Broker’s market analysis (BMA): The real estate broker’s opinion of the expected final net sale price, determined after acquisition of the property by the third-party company.

Broker’s tour: A preset time and day when real estate sales agents can view listings by multiple brokerages in the market.

Buyer: The purchaser of a property.

Buyer agency: A real estate broker retained by the buyer who has a fiduciary duty to the buyer.

Buyer agent: The agent who shows the buyer’s property, negotiates the contract or offer for the buyer, and works with the buyer to close the transaction.

Carrying costs: Cost incurred to maintain a property (taxes, interest, insurance, utilities, and so on).

Closing: The end of a transaction process where the deed is delivered, documents are signed, and funds are dispersed.

CLUE (Comprehensive Loss Underwriting Exchange): The insurance industry’s national database that assigns individuals a risk score. CLUE also has an electronic file of a properties insurance history. These files are accessible by insurance companies nationally. These files could impact the ability to sell property as they might contain information that a prospective buyer might find objectionable, and in some cases not even insurable.

Commission: The compensation paid to the listing brokerage by the seller for selling the property. A buyer may also be required to pay a commission to his or her agent.

Commission split: The percentage split of commission compen-sation between the real estate sales brokerage and the real estate sales agent or broker.

Competitive Market Analysis (CMA): The analysis used to provide market information to the seller and assist the real estate broker in securing the listing.

Condominium association: An association of all owners in a condominium.

Condominium budget: A financial forecast and report of a condominium association’s expenses and savings.

Condominium by-laws: Rules passed by the condominium association used in administration of the condominium property.

Condominium declarations: A document that legally establishes a condominium.

Condominium right of first refusal: A person or an association that has the first opportunity to purchase condominium real estate when it becomes available or the right to meet any other offer.

Condominium rules and regulation: Rules of a condominium association by which owners agree to abide.

Contingency: A provision in a contract requiring certain acts to be completed before the contract is binding.

Continue to show: When a property is under contract with contingencies, but the seller requests that the property continue to be shown to prospective buyers until contingencies are released.

Contract for deed: A sales contract in which the buyer takes possession of the property but the seller holds title until the loan is paid. Also known as an installment sale contract.

Conventional mortgage: A type of mortgage that has certain limitations placed on it to meet secondary market guidelines. Mortgage companies, banks, and savings and loans underwrite conventional mortgages.

Cooperating commission: A commission offered to the buyer’s agent brokerage for bringing a buyer to the selling brokerage’s listing.

Cooperative (Co-op): Where the shareholders of the corporation are the inhabitants of the building. Each shareholder has the right to lease a specific unit. The difference between a co-op and a condo is in a co-op, one owns shares in a corporation; in a condo one owns the unit fee simple.

Counteroffer: The response to an offer or a bid by the seller or buyer after the original offer or bid.

Credit report: Includes all of the history for a borrower’s credit accounts, outstanding debts, and payment timelines on past or current debts.

Credit score: A score assigned to a borrower’s credit report based on information contained therein.

Curb appeal: The visual impact a property projects from the street.

Days on market: The number of days a property has been on the market.

Decree: A judgment of the court that sets out the agreements and rights of the parties.

Disclosures: Federal, state, county, and local requirements of disclosure that the seller provides and the buyer acknowledges.

Divorce: The legal separation of a husband and wife effected by a court decree that totally dissolves the marriage relationship.

DOM: Days on market.

Down payment: The amount of cash put toward a purchase by the borrower.

Drive-by: When
a buyer or seller agent or broker drives by a property listing or potential listing.

Dual agent: A state-licensed individual who represents the seller and the buyer in a single transaction.

Earnest money deposit: The money given to the seller at the time the offer is made as a sign of the buyer’s good faith.

Escrow account for real estate taxes and insurance: An account into which borrowers pay monthly prorations for real estate taxes and property insurance.

Exclusions: Fixtures or personal property that are excluded from the contract or offer to purchase.

Expired (listing): A property listing that has expired per the terms of the listing agreement.

Fax rider: A document that treats facsimile transmission as the same legal effect as the original document.

Feedback: The real estate sales agent and/or his or her client’s reaction to a listing or property. Requested by the listing agent.

Fee simple: A form of property ownership where the owner has the right to use and dispose of property at will.

FHA (Federal Housing Administration) Loan Guarantee: A guarantee by the FHA that a percentage of a loan will be underwritten by a mortgage company or banker.

Fixture: Personal property that has become part of the property through permanent attachment.

Flat fee: A predetermined amount of compensation received or paid for a specific service in a real estate transaction.

For sale by owner (FSBO): A property that is for sale by the owner of the property.

Gift letter: A letter to a lender stating that a gift of cash has been made to the buyer(s) and that the person gifting the cash to the buyer is not expecting the gift to be repaid. The exact wording of the gift letter should be requested of the lender.

Good faith estimate: Under the Real Estate Settlement Procedures Act, within three days of an application submission, lenders are required to provide in writing to potential borrowers a good faith estimate of closing costs.

Gross sale price: The sale price before any concessions.

Hazard insurance: Insurance that covers losses to real estate from damages that might affect its value.

Homeowner’s insurance: Coverage that includes personal liability and theft insurance in addition to hazard insurance.

HUD/RESPA (Housing and Urban Development/Real Estate Settlement Procedures Act): A document and statement that details all of the monies paid out and received at a real estate property closing.

Hybrid adjustable rate: Offers a fixed rate the first 5 years and then adjusts annually for the next 25 years.

IDX (Internet Data Exchange): Allows real estate brokers to advertise each other’s listings posted to listing databases such as the multiple listing service.

Inclusions: Fixtures or personal property that are included in a contract or offer to purchase.

Independent contractor: A real estate sales agent who conducts real estate business through a broker. This agent does not receive salary or benefits from the broker.

Inspection rider: Rider to purchase agreement between third party relocation company and buyer of transferee’s property stating that property is being sold “as is.” All inspection reports conducted by the third party company are disclosed to the buyer and it is the buyer’s duty to do his/her own inspections and tests.

Installment land contract: A contract in which the buyer takes possession of the property while the seller retains the title to the property until the loan is paid.

Interest rate float: The borrower decides to delay locking their interest rate on their loan. They can float their rate in expectation of the rate moving down. At the end of the float period they must lock a rate.

Interest rate lock: When the borrower and lender agree to lock a rate on loan. Can have terms and conditions attached to the lock.

List date: Actual date the property was listed with the current broker.

List price: The price of a property through a listing agreement.

Listing: Brokers written agreement to represent a seller and their property. Agents refer to their inventory of agreements with sellers as listings.

Listing agent: The real estate sales agent that is representing the sellers and their property, through a listing agreement.

Listing agreement: A document that establishes the real estate agent’s agreement with the sellers to represent their property in the market.

Listing appointment: The time when a real estate sales agent meets with potential clients selling a property to secure a listing agreement.

Listing exclusion: A clause included in the listing agreement when the seller (transferee) lists his or her property with a broker.

Loan: An amount of money that is lent to a borrower who agrees to repay the amount plus interest.

Loan application: A document that buyers who are requesting a loan fill out and submit to their lender.

Loan closing costs: The costs a lender charges to close a borrower’s loan. These costs vary from lender to lender and from market to market.

Loan commitment: A written document telling the borrowers that the mortgage company has agreed to lend them a specific amount of money at a specific interest rate for a specific period of time. The loan commitment may also contain conditions upon which the loan commitment is based.

Loan package: The group of mortgage documents that the borrower’s lender sends to the closing or escrow.

Loan processor: An administrative individual who is assigned to check, verify, and assemble all of the documents and the buyer’s funds and the borrower’s loan for closing.

Loan underwriter: One who underwrites a loan for another. Some lenders have investors underwrite a buyer’s loan.

Lockbox: A tool that allows secure storage of property keys on the premises for agent use. A combo uses a rotating dial to gain access with a combination; a Supra® (electronic lockbox or ELB) features a keypad.

Managing broker: A person licensed by the state as a broker who is also the broker of record for a real estate sales office. This person manages the daily operations of a real estate sales office.

Marketing period: The period of time in which the transferee may market his or her property (typically 45, 60, or 90 days), as directed by the third-party company’s contract with the employer.

Mortgage banker: One who lends the bank’s funds to borrowers and brings lenders and borrowers together.

Mortgage broker: A business that or an individual who unites lenders and borrowers and processes mortgage applications.

Mortgage loan servicing company: A company that collects monthly mortgage payments from borrowers.

Multiple listing service (MLS): A service that compiles available properties for sale by member brokers.

Multiple offers: More than one buyers broker present an offer on one property where the offers are negotiated at the same time.

National Association of REALTORS® (NAR): A national association comprised of real estate sales agents.

Net sales price: Gross sales price less concessions to the buyers.

Off market: A property listing that has been removed from the sale inventory in a market. A property can be temporarily or permanently off market.

Offer to purchase: When a buyer proposes certain terms and presents these terms to the seller.

Office tour/caravan: A walking or driving tour by a real estate sales office of listings represented by agents in the office. Usually held on a set day and time.

Parcel identification number (PIN): A taxing authority’s tracking number for a property.

Pending: A real estate contract that has been accepted on a property but the transaction has not closed.

Personal assistant: A real estate sales agent administrative assistant.

Planned unit development (PUD): Mixed-use development that sets aside areas for residential use, commercial use, and public areas such as schools, parks, and so on.

Preapproval: A higher level of buyer/borrower prequalificatio
n required by a mortgage lender. Some preapprovals have conditions the borrower must meet.

Prepaid interest: Funds paid by the borrower at closing based on the number of days left in the month of closing.

Prepayment penalty: A fine imposed on the borrower by the lender when the loan is paid off before it comes due.

Prequalification: The mortgage company tells a buyer in advance of the formal mortgage application, how much money the borrower can afford to borrow. Some prequalifications have conditions that the borrower must meet.

Preview appointment: When a buyer’s agent views a property alone to see if it meets his or her buyer’s needs.

Pricing: When the potential seller’s agent goes to the potential listing property to view it for marketing and pricing purposes.

Principal: The amount of money a buyer borrows.

Principal, interest, taxes, and insurance (PITI): The four parts that make up a borrower’s monthly mortgage payment. Private mortgage insurance (PMI): A special insurance paid by a borrower in monthly installments, typically of loans of more than 80 percent of the value of the property.

Professional designation: Additional nonlicensed real estate education completed by a real estate professional.

Professional regulation: A state licensing authority that oversees and disciplines licensees.

Promissory note: A promise-to-pay document used with a contract or an offer to purchase.

R & I: Estimated and actual repair and improvement costs.

Real estate agent: An individual who is licensed by the state and who acts on behalf of his or her client, the buyer or seller. The real estate agent who does not have a broker’s license must work for a licensed broker.

Real estate contract: A binding agreement between buyer and seller. It consists of an offer and an acceptance as well as consideration (i.e., money).

REALTOR®: A registered trademark of the National Association of REALTORS® that can be used only by its members.

Release deed: A written document stating that a seller or buyer has satisfied his or her obligation on a debt. This document is usually recorded.

Relist: Property that was listed with another broker but relisted with a current broker.

Rider: A separate document that is attached to a document in some way. This is done so that an entire document does not need to be rewritten.

Salaried agent: A real estate sales agent or broker who receives all or part of his or her compensation in real estate sales in the form of a salary.

Sale price: The price paid for a listing or property.

Seller (owner): The owner of a property who has signed a listing agreement or a potential listing agreement.

Showing: When a listing is shown to prospective buyers or the buyer’s agent (preview).

Special assessment: A special and additional charge to a unit in a condominium or cooperative. Also a special real estate tax for improvements that benefit a property.

State Association of REALTORS®: An association of REALTORS® in a specific state.

Supra®: An electronic lockbox (ELB) that holds keys to a property. The user must have a Supra keypad to use the lockbox.

Temporarily off market (TOM): A listed property that is taken off the market due to illness, travel, needed repairs, and so on.

Temporary housing: Housing a transferee occupies until permanent housing is selected or becomes available.

Transaction: The real estate process from offer to closing or escrow.

Transaction management fee (TMF): A fee charged by listing brokers to the seller as part of the listing agreement.

Transaction sides: The two sides of a transaction, sellers and buyers. The term used to record the number of transactions in which a real estate sales agent or broker was involved during a specific period.

24-hour notice: Allowed by law, tenants must be informed of showing 24 hours before you arrive.

Under contract: A property that has an accepted real estate contract between seller and buyer.

VA (Veterans Administration) Loan Guarantee: A guarantee on a mortgage amount backed by the Department of Veterans Affairs.

Virtual tour: An Internet web/cd-rom-based video presentation of a property.

VOW’s (Virtual Office web sites): An Internet based real estate brokerage business model that works with real estate consumers in same way as a brick and mortar real estate brokerage.

W-2: The Internal Revenue form issued by employer to employee to reflect compensation and deductions to compensation.

W-9: The Internal Revenue form requesting taxpayer identification number and certification.

Walk-through: A showing before closing or escrow that permits the buyers one final tour of the property they are purchasing.

Will: A document by which a person disposes of his or her property after death.

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