CMS Unveils Limited Digital Health Policies in Final Medicare Rule
CMS Reveals Limited Digital Health Policies in Final Medicare Rule
In a move that has drawn considerable attention just days before the 2024 presidential election, the Centers for Medicare & Medicaid Services (CMS) has released the final calendar year 2025 physician fee schedule (PFS) rule. This rule, which impacts digital therapeutics, telehealth, rural health clinics, and opioid treatment programs, underscores CMS’s limited authority in shaping digital health payment policies.
Digital Health Policies
CMS has finalized several digital health policies, as initially proposed in July’s draft rule. However, the offerings remain modest. New codes have been introduced for digital therapeutics, particularly aimed at mental healthcare. These changes mainly involve redefining existing codes to distinguish them from remote therapeutic monitoring codes. CMS’s authority in this area is limited, prompting a call for congressional action to create a new benefit category for digital therapeutics.
Telehealth Policies
With the expiration of Medicare telehealth flexibilities looming at the end of 2024, CMS has highlighted the necessity for Congress to extend key telehealth waivers. These waivers have significantly expanded telehealth services since 2020. Permanent coverage for audio-only visits and direct supervision via telehealth has been confirmed, yet geographical and origin site restrictions continue to pose challenges. For further details, you can refer to the original article.
Rural Health Clinics and Federally Qualified Health Centers
CMS has been striving to achieve payment parity for telehealth services compared to in-person services in rural health clinics and federally qualified health centers. While a special payment rate is applied for telehealth, CMS has opted to retain its current payment methodology for now, though reforms may be considered in the future.
Opioid Treatment Programs
The rule acknowledges the importance of telehealth in opioid treatment programs, especially for older Medicare beneficiaries who rely heavily on audio-only services. CMS will allow telehealth usage for periodic assessments, marking a step forward in addressing opioid use disorder through digital means.
For a comprehensive understanding of the finalized rule and its implications, visit the CMS Federal Register.
Conclusion
While CMS has made some progress, the agency emphasizes the need for congressional action to broaden and secure these developments. The future of digital health policies remains uncertain, with much depending on legislative support.
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Getting licensed or staying ahead in your career can be a journey—but it doesn’t have to be overwhelming. Grab your favorite coffee or tea, take a moment to relax, and browse through our articles. Whether you’re just starting out or renewing your expertise, we’ve got tips, insights, and advice to keep you moving forward. Here’s to your success—one sip and one step at a time!
Unlocking Professional Excellence: The Impact of NALA CP® Certification
In the bustling world of paralegal professionals, the NALA CP® certification stands as a beacon of career advancement and professional excellence. As highlighted in the latest episode of the Paralegal Voice podcast, the certification not only enhances one’s career prospects but also instills a profound sense of confidence and value within a team.
Hosted by Tony Sipp and Jill Francisco, with special guest Lori Young, the episode delves into the myriad opportunities that await those who pass the NALA CP® exam. The discussion is not just about the exam itself but also the various resources available to help candidates succeed on their first attempt. From free test prep programs at California community colleges to affordable online courses accessible nationwide, the pathways to certification are diverse and accommodating.
Insights from Lori Young
Lori Young, a seasoned paralegal professional and educator, shares her journey in developing a curriculum designed to aid students in passing the CP exam. Her candid recounting of initial failure followed by eventual success serves as both a cautionary tale and a source of inspiration. Young emphasizes the importance of dedicated study habits and the transformative impact of certification on one’s career.
Community Involvement
Beyond the realm of professional development, the episode also highlights the paralegal community’s commitment to social responsibility. During the recent California wildfires, the College of the Canyons, where Young is a faculty member, played a pivotal role as an evacuation center. This involvement underscores the importance of paralegals engaging in volunteer work and legal clinics, reinforcing their dedication to community aid.
For those contemplating the CP exam, the podcast underscores that certification is more than just a credential; it’s a gateway to new professional opportunities. As the original article on Legal Talk Network suggests, achieving certification is a valuable investment in one’s paralegal career.
To learn more about the resources and opportunities discussed, listeners can explore the NALA Certified Paralegal Program and the Certified Paralegal Exam Test Preparation Program at College of the Canyons. Additionally, the upcoming NALA Conference & Expo 2025 promises to be an invaluable event for networking and further professional growth.
Getting a Real Estate License in Florida: A Comprehensive Guide
Getting a Real Estate License in Florida: A Comprehensive Guide
Florida, known for its sunny beaches and a haven for retirees, presents a lucrative opportunity for real estate professionals. To engage in buying and selling real estate in Florida, one must navigate through specific requirements and procedures.
To begin with, aspiring real estate agents or brokers must be at least 18 years old. They are required to complete specific real estate coursework and pass an exam, or in some cases, two exams, depending on the type of license pursued. Additionally, a criminal background check is mandatory.
Types of Licenses:
- Real Estate Agent (Sales Associate): Authorized to handle real estate transactions but must operate under a licensed broker.
- Real Estate Broker: Can own their own company and hire other agents to work for them.
The distinction between a real estate agent and a broker largely hinges on experience and education. Agents are required to work under a licensed broker, whereas brokers have the autonomy to work independently and hire agents.
Key Requirements:
- Age: 18 years and older.
- Education: 63 hours of real estate coursework for agents or 72 hours for brokers, or a four-year degree in real estate.
- Experience: Brokers need at least two years as an agent within the past five years.
- Exam: Both agents and brokers must pass a final exam.
- Additional: Must pass a background check.
Cost and Time Commitment:
Becoming a real estate professional in Florida requires both time and financial investment. The cost for an aspiring agent ranges between $400 and $500, while a broker can expect to spend between $500 and $600. The process for becoming a sales associate typically takes one to two months, whereas brokers must complete additional coursework and have two years of experience as an agent.Reciprocity Agreements:
Florida offers reciprocity agreements with 10 states, including Alabama, Arkansas, and Georgia, allowing licensed individuals from these states to apply for a Florida license without starting from scratch. However, they must pass a Florida-specific exam.Application Process:
Applicants can apply for a Florida real estate license online or by mail. The review process takes about four to six weeks, after which candidates can schedule their exam with Pearson VUE. Upon passing the exam, the license is automatically issued within seven to 10 business days.For more detailed information, refer to the original article on Investopedia.
Conclusion:
Obtaining a real estate license in Florida involves meeting specific requirements, including coursework, exams, and background checks. The investment of time and money can be worthwhile, given Florida’s thriving real estate market and its appeal to retirees and new residents.
Top Online Real Estate Schools: A Comprehensive Review
In the ever-evolving world of real estate education, choosing the right online school can be a daunting task. According to a recent Investopedia article, several online real estate schools stand out for their comprehensive offerings and high success rates.
The CE Shop: Best Overall
Topping the list is The CE Shop, praised for its reasonable fees, extensive state availability, and a high pass rate of nearly 62% as reported by TREC. It offers a robust selection of practice questions to aid in exam preparation.
- Pros: Reasonable fees, extensive educational resources, high pass rate.
- Cons: No mobile app, courses expire in seven months.
AceableAgent: Best Pass Rate
AceableAgent shines with the highest pass rate among the schools evaluated, boasting a pass rate of 67.20%. It offers a mobile app for both Apple and Android users, although its availability is limited to 15 states.
- Pros: High pass rate, mobile app available.
- Cons: Limited state availability, newer company.
Kaplan: Most Established, Best State Availability
Known for its long-standing reputation, Kaplan offers courses in 44 states, making it one of the most widely available options. Established in 1938, Kaplan is renowned for its comprehensive resources and wide range of course offerings.
- Pros: Long history, wide availability.
- Cons: Higher fees, no Android app.
360Training: Best for Low Fees
For those seeking affordability, 360Training offers the lowest fees in nearly every state surveyed. While it lacks a pass guarantee, it remains an attractive option for budget-conscious learners.
- Pros: Lowest fees, accredited by national organizations.
- Cons: No pass guarantee, courses expire after 12 months.
Colibri Real Estate: Also Great for Low Fees
Colibri Real Estate offers low fees and extensive pre-licensing options across 41 states. It features a solid pass guarantee, reimbursing the course fee if you don’t pass on your first try.
- Pros: Low fees, wide availability.
- Cons: Course access lasts for six months, no mobile apps.
This comprehensive review by Investopedia ensures that prospective real estate professionals can make informed decisions based on fees, availability, features, and customer satisfaction. With over 300 data points analyzed, these recommendations are both reliable and insightful for those seeking to enter the real estate field.
Top 5 Online Real Estate Schools in California for 2025
The CE Shop: Leading the Pack
The CE Shop emerges as the top contender, boasting a user-friendly platform with a 96% student satisfaction rate. Its proprietary LEAP online dashboard and Exam Prep Edge tools make it an ideal choice for those who appreciate structured, self-paced learning. The CE Shop also offers a “Pass or Don’t Pay” guarantee for its top-tier courses, providing peace of mind for students.Colibri Real Estate: Best for Accountability
Colibri Real Estate shines with its robust goal-tracking dashboard. It offers a comprehensive suite of features, including live Q&A sessions and a strong support network. The platform’s emphasis on accountability makes it a favorite among students who thrive on structured progress tracking.Aceable Agent: Perfect for Mobile Learning
Aceable Agent caters to the modern learner with its mobile app and audio courses. Designed for the on-the-go student, the platform delivers content in a podcast-like format. This flexibility, combined with engaging interactive tools, ensures a well-rounded educational experience.OnlineEd: Budget-Friendly Excellence
For those mindful of their budget, OnlineEd offers the most affordable courses with a price-match guarantee. Despite its simplicity, the platform partners with the California Association of Realtors to deliver quality content, ensuring students are well-prepared for the exam without breaking the bank.Kaplan Real Estate Education: The Exam Prep Specialist
Kaplan’s longstanding reputation in exam preparation is unmatched. Known for its rigorous practice tests and interactive study groups, Kaplan provides a comprehensive learning experience. Its “Kaplan Commitment to Pass” ensures students can continue studying at no additional cost if they don’t pass the exam initially.These schools not only meet the rigorous standards set by the California Department of Real Estate but also offer unique features tailored to different learning styles and needs. Whether you’re in San Diego, San Francisco, or Los Angeles, these online platforms provide the tools necessary to kickstart a successful real estate career.
For more detailed information, you can refer to the original article on HousingWire. This comprehensive guide is a testament to the evolving landscape of education in real estate, ensuring that every aspiring agent finds their perfect fit.
SEC 2025 Examination Priorities: Navigating New Regulatory Landscapes
As the Securities and Exchange Commission (SEC) gears up for its 2025 examination cycle, the recently published priorities signal a robust focus on evolving regulatory landscapes. Published on November 18, 2024, by Stinson LLP, this comprehensive outline crafted by Eric Mikkelson and Carissa Occhipinto provides key insights into the SEC’s examination areas for the upcoming year.
Investment Advisers Under the Lens
Investment advisers are set to be at the forefront of the SEC’s scrutiny. The Division of Examinations will prioritize those who have not been examined recently, with a keen focus on fiduciary standards and compliance programs. The Division will also emphasize the examination of private fund advisers, particularly in light of recent court decisions affecting SEC rules.
Fiduciary Duties
The SEC remains steadfast in ensuring that investment advisers adhere to fiduciary standards, emphasizing the need for advisers to act in their clients’ best interests. This includes making full and fair disclosures of any conflicts of interest that could influence their advice.
Broker-Dealers and Regulation Best Interest
Broker-dealers will face rigorous evaluations concerning Regulation Best Interest (Reg BI). The SEC aims to ensure that broker-dealers’ recommendations align with clients’ best interests, with a particular focus on complex and high-risk products.
Emerging Risks: AI and Crypto Assets
The SEC’s 2025 priorities also highlight the increasing importance of emerging technologies such as artificial intelligence (AI) and crypto assets. The Division plans to assess how these technologies are being integrated into financial practices, ensuring that they comply with regulatory standards and protect investor interests.
Cybersecurity and Compliance
Cybersecurity remains a top priority, with the SEC focusing on policies that prevent service interruptions and protect sensitive investor information. Compliance with recent regulatory amendments will also be scrutinized to ensure that firms are adapting to new standards.
As the SEC navigates a changing regulatory environment, the 2025 examination priorities serve as a crucial guide for investment advisers and broker-dealers. By maintaining a focus on high-risk areas and emerging technologies, the SEC aims to safeguard the integrity of the financial markets.
For more detailed insights, the original article by Stinson LLP can be accessed here.
Indiana’s Education Overhaul: Key Legislative Proposals and Debates
Indiana’s Legislative Session Tackles Education Overhaul
The Indiana General Assembly is currently navigating a transformative legislative session, with over 30 bills poised to reshape the state’s K-12 education system. As reported by WFYI, these proposals range from expanding universal vouchers to restructuring school district funding.Universal Vouchers Expansion
One of the most significant proposals, House Bill 1001, aims to establish universal school vouchers. This would allow Indiana families to use state funds to attend private, parochial, or nonreligious schools through the Choice Scholarship Program. The projected cost exceeds $88 million in fiscal year 2026, escalating further in 2027.
Property Tax Reforms and School Funding
Property tax reform is another focal point, with Senate Bill 1 proposing caps on property tax increases. This could significantly impact local government and school funding, potentially leading to a $1.91 billion loss over the next three fiscal years.
Transportation Sharing Pilot Program
In a bid to optimize resources, House Bill 1501 proposes a pilot program for transportation sharing among districts like Indianapolis Public Schools and others. This initiative aims to create a centralized transportation board, potentially imposing property taxes for services after the pilot phase.
Some Indianapolis politicians and Republican state lawmakers want Indianapolis Public Schools to increase access to transportation for students who live in district boundaries. (Eric Weddle / WFYI)
District Restructuring and Charter School Conversions
Under House Bill 1136, several school districts, including Indianapolis Public Schools, could be dissolved and converted into charter schools due to enrollment shifts. This controversial proposal has sparked significant debate and concern among public school advocates.
Challenges to DEI and Literacy Training
Senate Bill 289 challenges diversity, equity, and inclusion (DEI) initiatives by banning schools from compelling students to adopt certain beliefs. Additionally, Senate Bill 34 seeks to reduce teacher literacy training hours, addressing concerns over burdensome certification requirements.
Teacher Ivy Sullivan works on reading skills with kindergarten students at Adelante charter school in Indianapolis. (Elizabeth Gabriel / WFYI)
Ongoing Debates and Future Implications
These legislative efforts, led predominantly by House Republicans, are part of a broader initiative to revise Indiana’s education laws. As the session progresses, the impact of these bills on the state’s education landscape remains a subject of intense scrutiny and discussion.
For further details, explore the original article on WFYI’s website.
12 Key Benefits of AI for Business
As the digital landscape continues to evolve, businesses are increasingly turning to artificial intelligence (AI) technologies to enhance their operations and drive financial growth. According to a report by Frost & Sullivan, a staggering 89% of organizations believe that AI and machine learning will be instrumental in boosting revenue, improving operational efficiency, and enhancing customer experiences.
In an in-depth exploration by Mary K. Pratt, featured on TechTarget, the article titled “12 Key Benefits of AI for Business” delves into the myriad ways AI is transforming industries. Here are some of the standout benefits:
1. Better Decisions
AI empowers organizations to make more informed, data-driven decisions. By analyzing vast amounts of data, AI helps eliminate bias and personal preferences, leading to more accurate outcomes.
2. Efficiency and Productivity Gains
AI enables businesses to handle tasks at unprecedented volumes and speeds, freeing up human resources for higher-level tasks. This translates to significant productivity gains and cost reductions.
3. Improved Speed of Business
With AI, businesses can accelerate processes, from design to commercialization, resulting in shorter cycles and measurable returns on investment.
4. New Capabilities and Business Model Expansion
AI opens new avenues for business model expansion. For instance, autonomous vehicle companies can leverage data for new revenue streams, while insurance firms can explore fleet management opportunities.
5. Personalized Customer Services and Experiences
AI’s ability to analyze consumer data allows for highly personalized services, enhancing customer satisfaction across sectors from retail to healthcare.
6. Improved Services
AI facilitates more intuitive and accurate interactions with technology, enhancing user experiences in various industries, including real estate and customer service.
7. Improved Monitoring
Real-time data processing by AI allows for near-instantaneous monitoring, alerting organizations to issues and recommending actions, especially in manufacturing and cybersecurity.
8. Better Quality and Reduction of Human Error
AI reduces errors and improves adherence to standards, particularly when combined with robotic process automation, enhancing the value proposition for businesses.
9. Better Talent Management
AI streamlines hiring processes, eliminates bias, and enhances workforce productivity by identifying top-tier candidates and providing personalized employee experiences.
10. More Innovation
As familiarity with AI grows, employees use it to foster creativity and innovation, from crafting personalized cocktails in restaurants to supporting R&D in healthcare.
11. Increased Profitability
Through enhanced productivity and new growth opportunities, AI contributes to increased profitability, with its potential for revenue growth being exponential.
12. Industry-Specific Improvements
- Retail: AI optimizes marketing, supply chain, and pricing strategies.
- Pharmaceuticals: AI aids in drug discovery and data analysis.
- Finance: AI enhances risk management and fraud detection.
While the benefits of AI are substantial, organizations must also navigate challenges such as AI bias, regulatory concerns, and talent shortages. As businesses continue to integrate AI, they must ensure the necessary infrastructure and skills are in place to fully realize its potential.
For more insights, visit the original article on TechTarget.
Unlocking AI’s Potential: Microsoft Highlights Customer Success Stories
Microsoft’s recent study with IDC, titled “The Business Opportunity of AI,” reveals a staggering $3.70 return for every $1 invested in generative AI. This study underscores AI’s potential to redefine business operations, from streamlining employee tasks to personalizing customer experiences and facilitating complex decision-making. The insights gained from this research are invaluable for organizations seeking to harness AI’s capabilities to achieve sustainable growth.
More than 85% of Fortune 500 companies are now utilizing Microsoft AI solutions to transform their operations. The blog post compiles over 400 success stories, aiming to inspire businesses to embark on their AI journeys by showcasing the diverse applications and benefits achieved by companies leveraging Microsoft’s AI capabilities.
For those interested in exploring the full range of AI’s business opportunities, the original article on the Official Microsoft Blog provides an in-depth look at these transformative customer stories. The blog not only highlights the strategic implementation of AI across industries but also serves as a guide for organizations looking to navigate the complexities of AI adoption.
To delve deeper into the top AI trends and business opportunities, readers are encouraged to explore the additional resources provided, including the Business Opportunity of AI and the Top 5 AI trends to watch.
As AI continues to gain momentum, its ability to enrich employee experiences, reinvent customer engagement, reshape business processes, and bend the curve on innovation is becoming increasingly evident. The stories shared on the blog are not just examples of technological advancement but are also a call to action for businesses to embrace AI and unlock its full potential for future success.
Virtual Reality: Beyond Gaming – A New Era of Interaction
Virtual reality is defined as a computer-generated simulation that immerses users in a three-dimensional environment. This technology employs head-mounted displays equipped with motion-tracking technology and sensors, creating a seamless interaction between the user and the virtual world. The goal is to deceive the brain into believing it is fully present in a non-physical realm, engaging multiple senses such as sight, sound, and even smell.
Bharani Rajakumar, founder and CEO of the virtual reality training platform Transfr, highlights the immersive nature of VR: “You put on the headset and it feels like you are in a completely different location.” This ability to simulate various senses makes VR a powerful tool for exploration, education, and escapism.
While VR technology is still evolving, its adoption is expanding beyond gaming applications. Experts predict that VR is on the cusp of mainstream acceptance, with applications in diverse fields. For instance, VR is being used in education to create more engaging learning experiences, in medicine for detailed anatomical visualizations, and in architecture for virtual walkthroughs of construction sites.
The article delves into the mechanics of how VR works, explaining the use of dual screens within headsets to mimic our eyes’ natural depth perception. This is complemented by spatial audio and motion controllers, allowing users to navigate virtual spaces with up to six degrees of freedom.
Different types of virtual reality experiences are categorized as non-immersive, semi-immersive, and fully immersive. Each type varies in the level of interaction and immersion it provides. Fully immersive VR, for example, offers the most comprehensive experience, incorporating haptics to simulate physical touch in the virtual world.
The distinction between VR and augmented reality (AR) is also clarified. While VR transports users to entirely new environments, AR overlays digital elements onto the real world, creating an interactive experience without removing the user from their physical surroundings.
The future of VR looks promising, with advancements in affordability and accessibility on the horizon. As headsets become more compact and affordable, akin to everyday sunglasses, and as multi-sensory experiences become standard, the technology is poised for broader adoption. However, challenges remain, such as the high cost and complexity of VR devices, as well as consumer perception.
Emma Ridderstad, co-founder of Warpin, emphasizes the importance of integrating VR into everyday life: “Once businesses begin to invest in virtual reality, truly showcasing the added value that this technology can provide, that’s when these systems will start to break through to the mainstream.”
In conclusion, virtual reality is not just a fleeting trend but a significant technological evolution with the potential to revolutionize various industries. As we continue to explore its capabilities, VR promises to redefine how we learn, work, and play in the digital age. For a comprehensive understanding of VR’s current state and future trajectory, the original article by Built In offers valuable insights and detailed analysis.
Ina Garten: From Hamptons Food Store to America’s Barefoot Contessa
On a warm June evening in East Hampton, Ina Garten, the beloved culinary icon, and her husband, Jeffrey, cruised along in their cream-colored Mini Cooper convertible. This scene, a quintessential slice of Garten’s life, is a testament to her journey from a Hamptons food store owner to America’s cherished “Barefoot Contessa.”
Garten’s latest memoir, “Be Ready When the Luck Happens”, co-authored with Deborah Davis, delves into her life and culinary philosophy. Known for her indulgent, yet accessible cooking style, Garten has captivated audiences with her inviting approach to food and hospitality. Her journey, chronicled in Molly Fischer’s profile in The New Yorker, reveals a woman dedicated to simplicity and comfort, both in the kitchen and in life.
The memoir captures Garten’s evolution from running the Barefoot Contessa store to becoming a national figure through her successful cookbooks and television shows like “Barefoot Contessa” and “Be My Guest.” Her style, described as indulgent yet inviting, is perfectly encapsulated in her culinary mantra: “lavishly executed comfort food.”
Garten’s charm lies in her ability to make the luxurious seem attainable. As Kerry Diamond, founder of the food magazine Cherry Bombe, aptly puts it, “She’s the aunt that everybody wishes they had.” This sentiment is echoed by her fans, who see her as a beacon of warmth and hospitality.
As we explore Garten’s world, it becomes clear that her success is not just a product of luck but also of hard work and talent. Her memoir reflects this, offering readers a glimpse into her personal and professional life, highlighting her enduring appeal and the simple pleasures that define her culinary empire.
For those interested in diving deeper into Garten’s story, the original article by Molly Fischer provides an in-depth look at the woman behind the brand. You can find the full profile here.
Top Real Estate Podcasts to Follow in 2025
In a world where information is constantly at our fingertips, podcasts have emerged as an invaluable resource for professionals seeking insights and inspiration. The real estate industry is no exception. HousingWire has curated a list of the top real estate podcasts for 2025, offering a blend of motivation, education, and strategic advice for both newcomers and seasoned professionals.
The Millionaire Real Estate Agent
Hosted by Jason Abrams, this podcast features 30-minute episodes packed with industry insights. Notable guests include former Keller Williams CEO Mo Anderson and entrepreneur Adam Hergenrother. A highlight episode features motivational speaker Mel Robbins discussing her book, The 5 Second Rule, and its application to real estate careers.
Drive with NAR
This podcast from the National Association of REALTORS® offers a variety of hosts sharing business-building tips. The Safety Series is particularly noteworthy, addressing important issues like the physical hazards of selling aging homes.
Real Estate Rockstars Podcast
Host Aaron Amuchastegui provides listeners with marketing strategies and client-conversion techniques through interviews with industry experts.
The Tom Ferry Podcast Experience
Known for “Mindset Mondays,” Tom Ferry delivers quick inspirational chats and structured coaching advice. His programs like the Prospecting Bootcamp are highly beneficial.
RealTrending by HousingWire
Hosted by Tracey Velt, this podcast features discussions with brokerage leaders and agents on industry news and best practices, including recent legal developments.
Elite Agent Secrets
Andrew and Peter Dunn host this casual podcast, sharing industry secrets from their extensive real estate experience.
The Listings Lab Podcast with Jess Lenouvel
For agents aiming to scale their business, Jess Lenouvel offers practical marketing advice for significant growth.
Real Estate Training and Coaching School
Tim and Julie Harris provide dense, actionable coaching content, ideal for agents considering formal coaching engagements.
5AM Call
This podcast is perfect for early risers, offering motivational content and strategic advice from various hosts.
YES Talk for Real Estate Agents
Kevin Ward delivers intense, brief episodes filled with motivational energy and analysis of industry challenges.
Crazy Sh*t In Real Estate with Leigh Brown
Leigh Brown’s conversational style explores the daily challenges faced by real estate professionals, offering a genuine insider’s perspective.
Real Estate Insiders Unfiltered
Hosted by James Dwiggins and Keith Robinson, this podcast delves into broad market trends and strategic discussions, offering a corporate perspective on industry movements.
These podcasts collectively cover a myriad of topics crucial for real estate professionals who want to stay ahead in 2025. By regularly tuning in, agents and brokers can ensure they remain agile, informed, and ready to tackle the challenges of the real estate market.
Top Online Real Estate Schools in California for 2025
For aspiring real estate professionals in California, selecting the right educational platform is crucial. As we approach 2025, HousingWire has curated a list of the best online real estate schools in California, catering to various budgets, schedules, and learning styles. Whether through mobile apps, podcast-style audio lessons, or self-paced modules, these schools offer flexible options to prepare candidates for the California real estate licensing exam.
The CE Shop
The CE Shop emerges as the top choice for its comprehensive course features and user-friendly dashboard. With prices starting at $139, students can enjoy a 5-day free trial and a “Pass or Don’t Pay” guarantee. The CE Shop’s innovative Exam Prep Edge offers engaging tools like quizzes and flashcards, ensuring thorough preparation for the state exam.
Colibri Real Estate
For those inclined towards goal tracking and accountability, Colibri Real Estate stands out with its robust dashboard that helps track study hours and set weekly goals. Their promotion code ‘HOUSINGWIRE50’ offers a 50% discount until May 31. The platform includes expert-designed courses with multimedia resources, targeting various aspects of real estate education.
Aceable Agent
For learning on the go, Aceable Agent shines with its mobile app and audio lessons. Starting at $199, it offers courses via audio-visual formats that fit seamlessly into busy lives. The “Ace or Don’t Pay” policy further assures learners of its service quality.
OnlineEd
OnlineEd, noted for its budget-friendliness, begins at just $119 with a price-match guarantee. Offering a free interactive demo, OnlineEd emphasizes flexibility with tablet-friendly lessons, topped with a solid refund policy for unsatisfactory experiences.
Kaplan Real Estate Education
Lastly, Kaplan Real Estate Education draws attention for its rigorous practice tests and exam prep. With courses starting at $399, Kaplan leverages its longstanding reputation in educational excellence, providing interactive groups and daily online classes to bolster student preparedness for the exam.
In conclusion, HousingWire’s research affirms that these schools provide the necessary tools and environments to help prospective agents excel in their field. From dynamic teaching methods to strong support systems, these institutions set the stage for success in the real estate sector.
The New Era of Real Estate Commissions: What Buyers and Sellers Need to Know
In a groundbreaking shift within the real estate sector, the National Association of Realtors (NAR) has introduced significant changes to the way real estate agent commissions are structured. These changes, which came into effect in August following a landmark lawsuit settlement in March 2024, have sparked a wave of reactions and predictions about their impact on the market.
The new rules have altered the traditional landscape where sellers would typically cover the commission costs, often included in the sale price. Now, buyers might find themselves directly negotiating commission fees with their agents, a move that could lead to either a competitive price war among agents or potentially discourage buyers from using agents altogether.
The Changing Landscape of Real Estate Commissions
Historically, real estate commissions were a shared expense between the listing and buyer’s agents, generally around 5% of the home’s sale price. This fee was usually rolled into the sale price, indirectly paid by the buyer. The recent changes, however, have shifted the dynamics, requiring more transparency and direct negotiation between buyers and their agents.
According to a Redfin report, the average commission for buyer’s agents has seen minimal change, standing at 2.37% in the fourth quarter, a slight dip from previous figures. This indicates a slow adaptation to the new rules, with the market still stabilizing.
Impact on First-Time Buyers
Concerns have been raised about the potential impact on first-time homebuyers, who may struggle with the additional financial burden of paying agent commissions directly. Industry experts suggest that unless regulatory bodies like the Federal Housing Finance Agency allow these costs to be rolled into mortgages, first-time buyers could be at a disadvantage.
Strategies for Sellers
For sellers looking to minimize costs, several strategies exist. Options include negotiating commission rates, hiring low-commission agents, or even opting for a For Sale By Owner approach. These alternatives provide flexibility but come with their own set of challenges and considerations.
As the real estate market continues to adjust, the full effects of these changes will unfold over time. For more detailed insights, refer to the original article on Bankrate.
Exploring Life Estates, Reversions, and Remainders: Part Two of Our Present Estates Series
Welcome Back to the Law School Toolbox Podcast!
In this riveting episode, we delve into the second part of our discussion on present estates and future interests. Previously, we reviewed the default property interest, the fee simple absolute, and defeasible fees. Today, we’re covering life estates, reversions, and remainders.
This episode is a continuation from Podcast Episode 501: Listen and Learn – Present and Future Estates (Part 1). If you missed the first part, it’s highly recommended to catch up for a comprehensive understanding.
In This Episode, We Discuss:
- A review of the fee simple absolute
- Life estates
- Reversions and remainders
- Taxes and mortgage payments for a life estate
- Examples illustrating the above concepts
For those preparing for the bar exam, additional resources are available, such as the California Bar Examination – Essay Questions and Selected Answers, July 2008 and the California Bar Examination – Essay Questions and Selected Answers, February 2003.
Don’t miss the opportunity to download the transcript for this episode for an in-depth dive into the topics discussed.
If you enjoy the podcast, we’d love a nice review and/or rating on Apple Podcasts or your favorite listening app. Feel free to reach out to us directly via the contact form on the Law School Toolbox website. For those concerned about the bar exam, check out our sister site, the Bar Exam Toolbox.
Thanks for listening!
Alison & Lee
Promising Prospects for the Engineering and Construction Industry in 2025
2025 Engineering and Construction Industry Outlook
The engineering and construction industry is poised for a promising year in 2025, as highlighted in a recent Deloitte report. The industry experienced considerable growth in 2024, with a 10% increase in nominal value added and a 12% rise in gross output. Despite challenges such as high interest rates and inflation, the sector’s employment levels soared to 8.3 million in July 2024, surpassing previous records.
Reasons for OptimismLooking ahead, the industry is expected to benefit from several positive developments. The Federal Reserve’s decision to cut interest rates by 50 basis points in September 2024 is anticipated to gradually lower short-term rates over the next few years. This change is likely to stimulate construction demand across various segments, bolstering residential construction activity as mortgage rates decline. Government Investments and Technological Integration
Government investments through the Infrastructure Investment and Jobs Act (IIJA), the Inflation Reduction Act (IRA), and the CHIPS and Science Act are expected to drive growth in manufacturing and energy segments. The increasing adoption of artificial intelligence and advanced computing is also set to fuel data center construction, contributing to moderate growth in the US construction industry. Addressing Labor Mismatches
The industry continues to grapple with a significant talent shortage. Between August 2023 and July 2024, the sector had an average of 382,000 job openings each month. To tackle this issue, firms are likely to employ various strategies to build an agile workforce, such as integrating AI-enabled automation and digital tools to enhance productivity and attract younger workers. Financial Considerations
E&C firms are expected to focus on strategic divestitures, capital allocation strategies, and increased private equity investments to drive growth. Mergers and acquisitions will likely play a crucial role, with 528 completed deals totaling over $38 billion between August 2023 and July 2024. Industrial Policies and Market Dynamics
The sector will continue to benefit from federal infrastructure investments, such as the IIJA, which have already doubled manufacturing construction spending since 2021. However, firms must remain agile in response to evolving trade policies and tariff changes on strategic materials like steel and aluminum. In conclusion, the engineering and construction industry is poised for growth in 2025, driven by favorable economic conditions, government investments, and technological advancements. E&C leaders should focus on adapting to changing talent requirements, leveraging technological advancements, and navigating the evolving policy landscape to capitalize on these opportunities. For more insights, visit the Deloitte Center for Energy & Industrials.
Understanding the Role and Benefits of a Certified Financial Planner (CFP)
In the intricate world of personal finance, a Certified Financial Planner (CFP) emerges as a beacon of expertise and guidance. As your personal financial coach, a CFP brings to the table not only a wealth of knowledge but also a commitment to your financial well-being.
The Role of a CFP
The CFP designation, awarded by the Certified Financial Planner Board of Standards, is a testament to a professional’s dedication to excellence in financial planning. It signifies that the individual has undergone rigorous training, passed comprehensive examinations, and adheres to a strict code of ethics.
Expertise and Fiduciary Duty
A CFP’s expertise spans various domains, including financial planning, investment strategies, retirement planning, tax planning, and estate planning. Their role is underscored by a fiduciary duty, meaning they are legally and ethically bound to act in your best interest, prioritizing your goals over their own financial gain.
Becoming a CFP
To earn the CFP title, candidates must meet stringent requirements in education, examination, and experience. The journey includes completing coursework in financial principles, passing a comprehensive exam, and gaining real-world experience in financial planning. Furthermore, CFPs must commit to ongoing education to stay abreast of the latest industry developments.
The CFP Board’s commitment to maintaining high standards ensures that those holding the CFP designation are well-equipped to guide clients through complex financial landscapes.
Why Choose a CFP?
Whether you’re planning for retirement, investing for the future, or managing your estate, a CFP offers the expertise and ethical commitment necessary to navigate these critical financial decisions. Their holistic approach ensures that every aspect of your financial life is considered, providing peace of mind and a clear path to achieving your goals.
For more detailed information on what it takes to become a CFP and the scope of their services, you can refer to the original article on Investopedia.
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Real Estate in 2025: Navigating Transformative Challenges
As the calendar turns to 2025, the real estate industry braces itself for a series of transformative challenges and opportunities. According to the National Association of REALTORS®, the Counselors of Real Estate (CRE) have identified the top issues poised to impact both commercial and residential sectors globally.
Among the most pressing matters is political uncertainty, with elections in over 70 countries, including the United States, likely to reshape the geopolitical landscape. This could have profound implications for regulation, trade, corporate taxes, and immigration policies, as noted by CRE global chair Anthony DellaPelle.
High financing costs continue to be a major concern. Despite a recent drop in interest rates, they remain elevated, prompting caution among purchasers. The maturation of nearly $1.8 trillion in commercial real estate loans by 2026 adds another layer of complexity, as lenders face regulatory constraints and capital reserve challenges.
Geopolitical dynamics, including regional conflicts, further complicate the market. These issues contribute to supply chain disruptions, inflation, and labor shortages, all of which impact real estate transactions.
In the residential sector, soaring insurance costs due to natural disasters have become a significant burden. With economic losses reaching $380 billion last year, property owners are rethinking traditional insurance models, focusing instead on robust risk management strategies.
Meanwhile, the housing affordability crisis persists, exacerbated by a persistent inventory deficit and rapid rent increases. CRE’s report highlights the need for new construction and the preservation of affordable housing units to address these challenges.
The rapid growth of artificial intelligence is another transformative factor. AI’s integration into real estate operations promises to optimize processes, though challenges with fragmented data and location-specific nuances remain.
Sustainability is gaining traction as a critical conversation topic. With frequent hurricanes, wildfires, and floods causing billions in damages, the demand for climate resiliency in construction is higher than ever. However, regulatory environments differ significantly between regions like the U.S. and Europe.
The report also highlights the financial bottleneck resulting from differing price expectations between buyers and sellers, as the market seeks equilibrium.
For those interested in diving deeper into these issues, the upcoming NAR NXT conference will provide insights into navigating these challenges in the year ahead.
NAR’s Policy Shift: The Rise of Secret Home Listings
In a move that could reshape the landscape of the American real estate market, secret home listings are poised to surge, following a recent decision by the National Association of Realtors (NAR). The change in policy is stirring significant debate among industry insiders and homebuyers alike. As reported by Business Insider, the NAR has opted to maintain its clear cooperation policy while introducing a new rule that could lead to an increase in private, off-market listings.
Traditionally, the Multiple Listing Service (MLS) has been the go-to platform for real estate agents to share property listings widely, ensuring maximum visibility and competition. This system has benefited sellers by attracting more potential buyers and often leading to quicker, more lucrative sales. However, some major brokerage firms, such as Compass, are challenging this approach, advocating for more exclusive, private listings.
Compass, the nation’s largest real estate brokerage by sales volume, has been at the forefront of this shift. The company, led by CEO Robert Reffkin, has been vocal in its criticism of the one-size-fits-all MLS model. Compass argues that sellers should have greater control over how their homes are marketed, potentially keeping listings within their own network of agents. This strategy, which they call “Private Exclusives,” allows them to offer properties to a select group of buyers before they hit the open market.
The debate centers on the balance between transparency and exclusivity in real estate. Proponents of the clear cooperation policy argue that it fosters a more transparent housing market, where all potential buyers have equal access to available properties. They warn that the rise of “pocket listings“—homes marketed outside the MLS—could lead to a fragmented market, where only those with insider connections can access certain properties.
Saul Klein, CEO of the San Diego Multiple Listing Service, emphasizes the importance of a unified system: “Everybody benefits when we all pool our listings, and we do so in a timely manner. And people are hurt, potentially, when we don’t do that.”
Despite these concerns, the NAR’s decision to allow more flexibility in how homes are marketed is seen by some as a nod to the changing dynamics of the market. This move is likely to embolden companies like Compass to continue pushing the boundaries, potentially leading to more secretive listings.
Business Insider highlights that while the clear cooperation policy remains intact, the real estate industry is entering a period of uncertainty. The potential rise in secret listings could make it more challenging for everyday buyers to find their dream homes, as access becomes increasingly gatekept.
As the market evolves, the debate over transparency versus control is far from over. The outcome will likely shape the future of home buying in the United States, impacting how properties are marketed and who ultimately gets to see them.
Top Online Real Estate Schools in 2025: A Detailed Overview
In the ever-evolving world of real estate, aspiring agents and those looking to advance their careers face a crucial decision: selecting the right online real estate school. This choice can significantly impact their success in passing licensing exams and launching their careers. Fortunately, HousingWire has conducted an in-depth review of the top online real estate schools, focusing on essential factors such as flexibility, pricing, pass rates, and student support.
With numerous schools claiming to be the best, distinguishing those that genuinely deliver can be challenging. HousingWire simplifies this process by presenting the top picks for 2025:
- The CE Shop: Known for its flexible, self-paced learning, The CE Shop offers courses in all 50 states. Its intuitive online platform includes built-in progress tracking and focuses on real-life scenarios. Prices range from $139 to $1,015.
- Aceable Agent: This school is celebrated for its affordability and mobile-friendly options. Aceable Agent provides courses that fit in your pocket, featuring videos and interactive sessions designed for first-attempt success.
- Colibri Real Estate: Ideal for those seeking upgraded courses and instructor support, Colibri offers robust learning resources and engaging course delivery.
- Kaplan: With over 50 years of experience, Kaplan is praised for its extensive exam prep. Its video-based courses, created by industry experts, are designed to enhance understanding and increase the chances of passing licensing exams on the first try.
Choosing the right online real estate school involves considering key features such as state approval, course format, mobile access, and career support. These elements ensure that the course aligns with your educational needs and complements your learning style.
These online schools not only offer excellent course materials but also provide flexibility and value for money. This allows students to fit their studies into their schedules without the need for a physical classroom setup. HousingWire’s insights help ensure you make an informed decision, paving the way for a successful real estate career.
For more information on getting licensed and the best real estate schools, visit our real estate education page.
Arizona State University Launches Innovative Real Estate and Applied Finance Degree
Arizona State University Unveils New Degree in Real Estate and Applied Finance
PHOENIX — The W. P. Carey School of Business at Arizona State University is making waves with the launch of a cutting-edge undergraduate degree in real estate and applied finance. Set to begin this fall in Tempe, this innovative program is designed to prepare students to excel in the dynamic fields of real estate and finance.
According to a recent news release, this initiative is part of the W. P. Carey Foundation’s commitment to enhancing real estate education at Arizona State University. Professor Mark Stapp, a leading figure in real estate education at the W. P. Carey School of Business, emphasized, “Real estate isn’t just about buildings — it’s the social and economic framework that supports resilient communities.”
Program Highlights
The new degree offers a comprehensive curriculum that integrates financial analysis, real estate principles, and experiential learning. Students will benefit from:
- A curriculum that emphasizes financial analysis and real estate principles.
- Hands-on project analysis through the experiential learning lab.
- Mentorship opportunities and industry partnerships via the W.P. Carey Center for Real Estate and Finance.
- Exploration of real estate markets on a local, national, and global scale.
Charles J. Robel Dean and W. P. Carey Distinguished Chair in Business, Ohad Kadan, remarked, “With this new program, we’re investing in the next generation of professionals who will lead and innovate across the real estate and financial sectors.”
For those eager to embark on this academic journey, applications can be submitted online. This program not only underscores the pivotal role real estate plays in economic development but also highlights ASU’s dedication to fostering leadership and innovation in the sector.
For updates and more information, follow @Leasure96 on Twitter.
Navigating the Real Estate Career Path: Steps and Insights
Embarking on a career as a real estate agent can be both thrilling and daunting. With the allure of helping clients find their dream homes and the potential for lucrative earnings, it’s no wonder many are drawn to this profession. However, as Realtor.com’s recent article, “How to Become a Real Estate Agent in 5 Steps,” highlights, the journey requires a significant investment of both time and money.
Steps to Success
The article outlines five critical steps to becoming a real estate agent:
- Take a real estate pre-licensing course: This foundational step involves enrolling in a certified course, which varies in duration depending on the state. For instance, Virginia requires 60 hours while California demands 135 hours of training. The course covers essential topics such as real estate principles and legal aspects.
- Take the real estate licensing exam: After completing the pre-licensing course, aspiring agents must pass a state-administered exam. The cost and format of the exam differ by state, with fees ranging from $15 in New York to $60 in California.
- Activate your real estate license: Upon passing the exam, candidates must activate their license through their state’s real estate commission, typically incurring a fee between $200 and $400.
- Consider becoming a Realtor®: Joining the National Association of Realtors® offers numerous benefits, including access to market data and professional credibility.
- Join a brokerage: To legally practice, agents must work under a licensed broker who oversees transactions and ensures compliance with legal standards.
The Financial Landscape
The financial aspects of becoming a real estate agent are crucial. The article cites the Bureau of Labor Statistics, noting that agents earn an average of $49,000 annually, with the top 10% earning significantly more. However, entering the field involves upfront costs for courses, exams, and licensing.
Challenges and Rewards
The real estate industry is notoriously challenging, with a high failure rate among new agents. Industry expert Tom Ferry has estimated that the majority of new agents fail within the first five years. This underscores the importance of thorough preparation and choosing the right courses.
Despite these challenges, the rewards can be substantial for those who succeed. As Realtor® Rae Wayne puts it, “We can make as much money as doctors and lawyers, and they spend tens of thousands of dollars on their degrees.”
Conclusion
For those considering a career in real estate, understanding the steps and financial commitments involved is essential. The original article on Realtor.com provides a comprehensive guide to navigating this exciting yet demanding field.
Top Online Real Estate Schools in California for Aspiring Agents by 2025
Navigating the path to becoming a licensed real estate agent in California requires completing 135 hours of prelicensing coursework, a requirement that these online schools are well-equipped to meet. Whether you’re in bustling Los Angeles, scenic San Francisco, or sunny San Diego, there’s a course tailored to your needs.
The CE Shop emerges as a top contender, offering a robust online dashboard and a package that includes both prelicensing and continuing education courses. Their platform is designed for busy learners, with a 96% satisfaction rate highlighting its effectiveness. The CE Shop’s unique features include their Exam Prep Edge, which provides quizzes, flashcards, and practice tests, ensuring students are well-prepared for the licensing exam.
For those seeking a more personalized approach, Colibri Real Estate offers a dashboard that tracks progress and sets goals, complemented by live Q&A sessions. Their courses, crafted by experienced professionals, provide a structured learning environment with a focus on accountability.
Mobile learners will find AceableAgent appealing, with its mobile app and audio courses that allow for learning on the go. This school’s interactive approach includes videos, games, and case studies, all designed to keep students engaged and ready for the state exam.
If budget is a primary concern, OnlineEd offers the most affordable courses, complete with a price-match guarantee. Their partnership with the California Association of Realtors ensures quality education, and their straightforward lessons are accessible on tablets and Kindles.
Lastly, Kaplan Real Estate Education is renowned for its practice tests and exam prep, providing a comprehensive suite of study tools. Their live online classes and interactive study groups offer a collaborative learning experience, ideal for those who thrive in a community setting.
For further details on these schools, you can refer to the original article on HousingWire. This comprehensive guide not only reviews each school’s offerings but also provides links to additional resources like the California Department of Real Estate and the National Association of Realtors.
In conclusion, choosing the right online real estate school in California can set the foundation for a successful career. Whether you prioritize cost, learning style, or specific educational features, there’s a program that fits your needs. As you embark on this educational journey, these schools stand ready to support your aspirations in the dynamic field of real estate.
The Best Online Dating Apps and Sites of 2025: A Comprehensive Review
In the ever-evolving landscape of online dating, the year 2025 marks a significant milestone with a plethora of apps and sites vying for the attention of singles worldwide. As reported by Forbes, the best online dating apps and sites of 2025 have been meticulously evaluated based on features, safety, ease of use, and real user experiences. This comprehensive review aims to assist users in finding the right match by providing detailed insights into various platforms.
Revolutionizing Romance: The Rise of Online Dating
Online dating has become increasingly popular, offering a convenient way for individuals to connect in today’s fast-paced world. According to a Pew Research study, 30% of U.S. adults have tried online dating, with a notable 53% of individuals under 30 exploring this digital avenue for companionship.
Top Contenders: A Closer Look at Leading Platforms
Forbes highlights several standout dating apps and sites for 2025, each catering to different preferences and needs:
- Facebook Dating: Touted as the best overall, this platform offers free access and matches users based on shared interests and preferences.
- OkCupid: Known for its extensive range of profile questions, OkCupid appeals to those seeking in-depth compatibility.
- Tinder: Popular for casual connections, Tinder continues to dominate with its swipe-right approach and vast user base.
- Match: Ideal for those interested in in-person events, Match offers a blend of online and offline dating experiences.
- Coffee Meets Bagel: Best for serious relationships, this app provides curated match suggestions to foster meaningful connections.
- Hinge: Recognized for its sophisticated algorithm, Hinge focuses on helping users find quality matches for long-term relationships.
The Role of Algorithms and AI in Modern Dating
One of the notable trends in the online dating industry is the increasing reliance on algorithms and artificial intelligence (AI) to enhance user experience. Platforms like eHarmony and Match have integrated AI technologies to improve matchmaking accuracy, ensuring users are paired with compatible partners.
Methodology: How the Best Apps Were Chosen
Forbes’ editorial team employed a rigorous methodology to determine the best dating apps and sites for 2025. This included analyzing data from various platforms, conducting a survey of 1,600 dating app users, and commissioning six testers to evaluate the top sites over a two-week period. Key metrics considered were cost, app features, consumer sentiment, safety features, and hands-on tester ratings.
Conclusion: Finding Love in the Digital Age
As we navigate the complexities of modern romance, online dating platforms provide a valuable tool for connecting with potential partners. Whether seeking a casual fling or a serious relationship, the best dating apps and sites of 2025 offer something for everyone, backed by advanced technology and user-friendly interfaces.
For more detailed insights and to explore the full list of top dating platforms, visit the original article on Forbes.
Unlocking the Path to an NMLS License in 2024
Unlocking the Path to an NMLS License in 2024
In the intricate world of mortgage lending, obtaining or renewing an NMLS license is a crucial step for any aspiring Mortgage Loan Officer (MLO). As highlighted in a detailed article by HousingWire, the process involves several key steps and considerations, ensuring that professionals are well-prepared to guide homebuyers through the complexities of securing a mortgage.
For those embarking on this journey, it’s essential to understand the significance of an NMLS license. This certification not only opens doors to a lucrative career but also instills confidence in clients who rely on the expertise of licensed professionals to navigate the often daunting mortgage process. As Kennedy Edgerton, a seasoned journalist, emphasizes, “No one will hire you without one.”
Understanding the Costs and Commitment
Securing an NMLS license is not without its financial commitments. Prospective MLOs must be prepared for the expenses associated with prelicensing courses, processing fees, and ongoing education requirements. HousingWire provides a comprehensive breakdown of these costs, which vary by state and course provider.
- Prelicensing courses range from $200 to $750.
- Processing fees include setup costs for companies, branches, and individuals.
- Annual renewal fees ensure that licenses remain active and up-to-date.
For those seeking affordable options, resources such as MLO Force and OnCourse Learning offer various course packages tailored to different needs and budgets.
The Path to Licensure
The journey to becoming a licensed MLO involves several critical steps:
- Review State Requirements: Each state has unique prelicensing requirements, making it essential for candidates to familiarize themselves with local regulations.
- Complete Prelicensing Education: A minimum of 20 hours of coursework is required, covering federal law, ethics, and mortgage lending practices.
- Pass the SAFE MLO Exam: With a pass rate of only 58% on the first try, thorough preparation is key. Resources like OnCourse Learning’s PrepxL can significantly boost success rates.
- Apply for Your License: Once the exam is passed, candidates must complete the MU4R form and undergo background and credit checks before receiving their NMLS number.
For ongoing success, MLOs must engage in continuous education and renew their licenses annually. The renewal process, detailed on HousingWire, ensures that professionals remain compliant with evolving industry standards.
Staying Ahead in the Mortgage Industry
In a rapidly changing real estate landscape, the importance of maintaining an active NMLS license cannot be overstated. As the article from HousingWire suggests, ongoing education and adherence to state-specific requirements are vital for MLOs who wish to excel in their careers and provide exemplary service to their clients.
For more information on obtaining or renewing your NMLS license, including specific state requirements, visit NMLSConsumerAccess.org or explore the detailed resources provided by HousingWire.
A Risky Proposition: Weakening Local Governments by Eliminating Property Tax Revenue
A Risky Proposition: Weakening Local Governments by Eliminating Property Tax Revenue
In a bold and potentially perilous move, Florida is contemplating the elimination of property taxes—a cornerstone of local fiscal autonomy. This proposition, as detailed in a recent report by the Florida Policy Institute, could significantly undermine the financial stability of local governments.
Understanding the Role of Property Taxes
Property taxes are a vital source of revenue for local governments, funding essential services such as education, public safety, and community programs. The report emphasizes that these taxes account for a substantial portion of local government budgets, with real property taxes making up 18% of county revenue, 17% of municipal revenue, and a staggering 50 to 60% of school district revenue.
Potential Consequences of Eliminating Property Taxes
Eliminating property taxes could lead to a fiscal crisis, requiring the state to find alternative revenue streams. The report warns that replacing property taxes with increased sales taxes could disproportionately impact lower-income households, exacerbating existing inequalities. Sales taxes are inherently regressive, placing a heavier burden on those with less income.
Exploring Alternatives and Reforms
The Florida Policy Institute suggests several alternatives to outright elimination. These include reenacting the state’s tax on intangible property, implementing a mansion tax, and introducing a circuit breaker program to provide relief to those most affected by property taxes. These measures could make the tax system more equitable and ensure continued funding for essential services.
The Broader Implications
This debate in Florida is emblematic of a larger national conversation about tax fairness and the balance between state and local governance. As states like Texas and Nebraska explore similar measures, the implications for public services and fiscal autonomy are profound.
For more insights, visit the Florida Policy Institute’s Tax Policy page or explore their 2025 Legislation section.