How To Save Money On Car Insurance For Young Drivers? Read To Know

The cost of car insurance policy is determined by many factors typically examined by insurance companies online such as driver’s age, the location where he mostly drives a car on, the make and model of car, driver’s driving experience, etc. Insurance companies take into considerations these factors to figure out if driver will be a high risk. Usually, young drivers are considered risky as they are less likely to have good driving experience and skills. This is why it is challenging to qualify for cheap car insurance for young drivers. But, the interesting thing is that today many online insurance companies specialize in offering various discounts which you can earn to reduce your insurance cost or simply get cheap car insurance for young drivers. Before applying for insurance policy, it is advisable to get some knowledge about the same.

If you install security or safety devices in your car, you are less likely to get injured or your vehicle is less likely to get easily stolen or damaged. Many online insurance companies offer discounts for the same. Moreover, if you want to save money, you should think of joining a recognized driving course. This will improve your driving experience as well as skills and also could get you one more discount. One more way to get best affordable auto insurance is to drive less. If you drive less, the possibilities of accidents or similar circumstances leading to insurance claims will get reduced. Some insurance providers also offer discounts to students who score good grades. Besides, your driving location also affects insurance cost. Even make and model of car will affect what you will pay for insurance policy. Some vehicles are expensive to be insured while other cars are not too expensive.

Thus there are many aspects which you should work on to save money. But, most importantly, you need to locate insurance company which offers the most affordable auto insurance rate and also multiple discounts. One of the easiest ways to locate best insurance company in your local area which is willing to provide affordable car insurance with many discounts is to take free professional assistance of a reputable online car insurance service. These services which are closely connected with a huge online network of insurance providers that offer cheapest car insurance quotes will help you to get easy and quick access to best insurer.

The risk factor associated with you will affect your insurance cost significantly. So, it could be advisable to see if you can reduce the risk taken by insurance company by following some expert guidelines and improve your eligibility for affordable auto insurance rate. Get assisted by experienced car finance specialist to know what these guidelines are and how to get cheap car insurance for young drivers.

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Real Estate Training Courses Online: For Better or Worse?

Few years back, people have had only relied their education and learning needs through traditional methods. Even professional individuals who aim to enhance their knowledge and skills attend seminars and trainings to gain ideas that they can adapt for and succeed in achieving their career goals. Years have pass by, training and education became a very important part of every success and career path that a person chooses, specifically for real estate agents in the US. Licenses were then implemented to ensure that realtor agents are adequately capable of performing their duties and responsibilities – and which aimed to give emphasis on the need for applicants to ensure a college-level education before being able to take the national examination for realtors and get an active license. Aside from that, every state in the US had made their own set of requirements that applicants need to take note of as part of the licensing process.

With the existence of E-learning, also known as the online method of education and learning in the early 20th century, the housing market slowly began adapting to this – which sparked an interest for several service providers and companies to offer what we now know as real estate training programs online.

What are these real estate programs offered online?

These training programs are designed to provide the necessary education to realtors and applicants. The only difference is that the method was accessible and offered through the Internet and with the use of modern computers and mobile devices. Several US states have adapted to this kind of education, allowing it to be offered to license applicants and professionals taking their pre-licensing, continuing education, license renewal or post license course credits.

Since it is offered online, it showcases an advantage on the students to manage their own time in studying. Such online courses can be in a form of webinars, power-point presentations and slide shares. Other courses are downloadable to PDF formats to help students access their course even without internet connection. Just like several traditional methods of education, accredited real estate programs online hand out certificates to students who were able to finish the course, and to which they can print and add to their current credentials. Just to make it clear – these real estate training programs online do not give out the actual license to realtors. They only serve as the college-level of education and learning needed for them to be able to complete certain requirements set by the state department of real estate. Only a certain states’ licensing department can give out examinations and the actual license.

Why does this kind of program exist?

Though these programs only hand out certificates about the training and not the actual license itself – these online training programs for realtors and applicants prepare them in taking the examination given by the state department of licensing for realtors. It also helps suffice the requirement credits that realtors need to qualify for a realtor license.

With this breakthrough in the industry, online real estate courses became very popular until these days – especially to those individuals who do not have enough time to attend face to face training and traditional classes.

Protect Yourself From Real Estate Fraud

I view my tent ministry as a real estate professional as an honorable job. I am helping people who are in distress get a new piece of mind. On a broader sense, owning a piece of property is part of the American dream. Sadly, there are vultures out there that want to prey on the innocent with things that sound good but are pure trouble. I recently read an article by the Department of Real Estate of California and I thought I would share a few pointers with everyone.

(Note – this is written from a California standpoint, most pointers should be applicable anywhere in the US but check with a RE agent in your area if you have specific questions.)

Does a person who helps me with a short sale have to be licensed by the state?

Yes, any person who “negotiates loans…or perform services for borrowers or lenders…in connection with loans secured directly or collaterally by liens on real property… for or in expectation of compensation” must be licensed.

What is that in English? If a person wants to help you negotiate with a lender in regards to a property – that person must be licensed. This applies to anyone who wants to talk to your lender(s) on your behalf in regards to a loan secured by property.

Application – we are seeing ‘short sale negotiators’ as a new business. If they cannot produce a DRE license number then run. Also, once they give you a license number check it out against your state’s real estate license database. Some of these negotiators hire a broker to list the property which is a licensed professional. However, if THEY talk to your lender(s) they too must be licensed.

What should I watch out for if I use a negotiator?

Upfront fees – It is against the law for any person to charge you up front fees in dealing with your loan; whether it is a short sale negotiator or a person helping you with a loan modification.

Signing away your rights – Some of these negotiators require you to sign a document that grants them exclusive rights to negotiate on your behalf. While it is true that you only want one person dealing with your short sale, beware of anyone that wants to cut you completely out of the loop. By law, all offers have to be submitted to you and to the lender.

The fraud we are seeing is the negotiator hides high bids from the lender and only submits low bids. They keep the high bids until after the short sale is complete. They then bring in the high bidder to buy the property.

Example, this negotiator receives a bid for $400,000. They have a friend that gives them a bid for $350,000. They submit the bid for $350,000 and get the short sale completed. Then their friend re-lists the property and they contact the high bidder and sell the property for $400,000. They just made $50,000 at your expense and at the expense of the economic recovery of this nation.

They committed fraud by withholding all offers from the lender; this is a felony. This ‘short sale flip fraud’ is now on the radar of the FBI who is actively seeking out these quick short sale flips.

Can I pay anyone ‘under the table’?

No! In short sale situations there can be more than one lender. Sometimes the second (or more) lender will try to hold up the process and get as much money from you as they can. Payment to any lender outside of the process (under the table) is called fraud.

If a lender, an agent, or other licensed party encourages you to do something illegal do not do it. If it is a lender be sure to disclose this to your agent so they can speak with their broker to see if there is anything legal they need to do. If it is your agent that asks you to do something illegal contact their broker. Fraud in our industry cannot ever be acceptable. You can also report them to the California Department of Real Estate (or whatever your state department is called.) If the offending party is the broker then contact the Department of Real Estate and report the incident.

If you are ever unsure of an action it is best to get advice. It is much better to be safe then to get into serious trouble.

Final Thoughts

In any real estate transaction there are many items that must be done at the right time and in a specific manner. It is very important to your financial future to make sure you are being advised in a proper way. If something sounds too good to be true or it doesn’t quite feel right then caution is recommended.

Real Estate CE

Like many professional industries, real estate CE depends on the state that the Realtor is working in. Continuing education is required for all real estate agents at various stages in their careers. Generally, this requirement is part of the license renewal process, meaning that a license cannot be renewed without having met the continuing education requirements of the state Department of Real Estate. Most states, on average, will require real estate agents to have about 8-12 hours of continuing education every two years. Some states will have higher standards, and some might have lower standards.

For example, residents and real estate agents that work in New York are required to have 22 1/2 hours of continuing education every two years, while residents of Michigan are only required to have 18 hours of education every three years. These intervals also indicate the renewal cycles within each state. For example, a New York license is only valid for two years, while a Michigan license will be valid for three years. In addition to mandating and verifying the state required real estate CE, states also determine which types of courses people are required to take. Many states require real estate professionals to take a few hours of ethics and legal courses with their continuing education, while others will have no guidelines for the exact courses taken, so long as the requirement is met.

These records remain on file with the proper state department, so that all real estate professionals are regulated and monitored to ensure that they’re getting the education that they need, and also that they are getting licenses renewed when it is necessary. Any business can check with the state department to get information on an employee or potential employee and see if their continuing education guidelines have been met or their status of licensure. This allows employers to keep tabs on their employees, as well, which can save them from allowing an unlicensed real estate agent or an agent whose license wasn’t renewed to work in their business. Any business that allows an agent to work that doesn’t have an active and current license can get into serious trouble by state boards and departments

Any real estate agent will learn all about the real estate CE that is required of them in their initial training and at the time that they are first licensed. Those who work for companies that provide the training for employees are often not required to keep track of their own CE requirements and courses that they have completed. However, it is still a good idea for each agent to track and maintain records of their own real estate CE accomplishments in the event that there is a question of whether courses were taken or not.

How to Become a Real Estate Agent in California?

The state of California is the hub of entertainment (Hollywood), hi-tech development (Silicon Valley), wine making (Napa and Sonoma Valleys) and agricultural production (Central Valley). The California’s economy is the strongest in the United States and if it is seen as a separate nation (independent country), it is between 7th and 10th (as statistics vary) in the list of the world’s largest economies country-wise.

Are you ready to become a realtor in this supreme region of the world? Thousands of agents are making millions of dollars annually. You can grab your share by becoming a licensed real estate agent in California. All you have to do is to pursue the following simple steps to get your salesperson license.

Eligibility Requirement

An individual must be at least 18 years of age or above and must be a legal resident of the United States. It is not necessary that the applicant must be a California resident to get the license. Applicants residing in other states can get the license, but they have to file Consent to Service of Process (RE 234) with the California Department of Real Estate to get permission for operating in California.

Good Character Requirement

Individuals must be honest and must not be involved in criminal activities. If an individual has a conviction, he or she might not get the license. Attempting to hide a criminal record is also grounds for denial of the license.

Fingerprint Requirement

According to a new law, it is mandatory to provide fingerprints to the Department of Real Estate, California. The fee of the fingerprints is $51 which will have to be borne by the applicant.

Educational Requirement

The department does not require any experience to get the license. However, the applicant must complete the following three college-level courses:

• Real Estate Principles (must be in progress at least and completed prior to applying for the license)
• Real Estate Practice
• An elective course (applicant has to complete one out of 12 approved courses)

Remember! The Real Estate Practice course and an elective course must be in progress or completed at the time of applying for the license – they must be completed within 18 months after issuance of the license.


Members of the California State Bar are exempted from the college-level course requirement. To get this exemption, they have to furnish the photocopy of a California State Bar membership card. Moreover, holders of LL.B or J.D degree can also get the exemption on the basis of education, but they need to submit the proof of their qualification – the degrees should be issued “by the Western Association of Schools and Colleges (or comparable regional accrediting agency recognized by the United States Department of Education”, according to the DRE.

State Examination

An individual who is interested in obtaining the real estate salesperson license must complete/enroll in the Department of Real Estate (DRE) specified courses to appear in the state examination. It is imperative to pass the state examination to get the license.

Who can qualify for State Examination?

The ideal condition is that an applicant has completed all three approved courses. However, an individual may qualify to take the state examination if:
• he/she has completed only the Real Estate Principles course – he/she has to show the transcript of the completed course.
• he/she has not completed the Real Estate Principles course but he/she is enrolled for the course – the proof of enrollment is required.

Applying For License

Once an individual has passed the state examination, he/she may apply for the license. Nevertheless, the individual must have to complete the other two courses (the Real Estate Practice course and an elective course) within the 18 months from the issued date of the license. In addition, the department will charge $120 as a license fee.

It is significant to remember that an individual can only get a full-license (not conditional) after successfully completing all three courses within 18 months (from the license issuance date) from the DRE accredited colleges and schools.

An individual (18 years or older and legal resident of US) who wants to get the license has to:

• provide fingerprints;
• complete or enroll in the approved course(s) from the DRE approved institutions – to qualify for the exam;
• pass the state examination; and
• apply for the license

Remember that there are certain fees associated with certain steps. For instance, an applicant has to pay $51 in “fingerprints fees”. All the courses must be completed within 18 months of the license issuance date – only the completion of the Real Estate Principles course is required prior to applying for the license.