Math Education Checklist

You need a math education. You want to enroll in an online school to get that education out of the way. The good news is that, in general, most of the mathematics courses that you will need to take are available to you on the web. The other bit of good news is that you can find a variety of schools providing a variety of educational curriculum for you to study. The bad news is that you still have to do the math work that goes along with learning this type of education. Nevertheless, one of the most important things you need to do before you enroll in this type of program is to know what to look for in a school providing you with your math education.

The following is a checklist of qualifications you want to look for in a school to ensure that you can achieve the goals that you have.

1.    Is the school accredited? It should be state wide or nationally accredited to provide the best level of education for you.

2.    Does the math education taught to you in this program fulfill any type of need that you have in another program? Do you need a specific type of math education and if so, does the school you are considering offer it?

3.    IS online education available from the school? If so, find out the process works as well as who teaches the education.

When it comes down to it, getting a math education on the web makes sense and it is quite possible to do. However, most students will need to ensure that the school they choose is going to provide them with the right level of education for however they plan to use it. There is a different from one school to the next and every student needs to understand what their options really are.

Ask These 5 Questions When Choosing a RESPA Real Estate Attorney

“What the heck is RESPA?”

Many attorneys try to handle real estate matters in addition to their regular practice. Very few lawyers are aware of the complexities of the Real Estate Settlement and Procedures Act (RESPA) enforced by the Department of Housing and Urban Development (HUD.)

RESPA statutes are consumer protection laws that impact virtually all single family to four family homes. RESPA compliance issues and the remedies available to borrowers who have been victimized by unscrupulous mortgage lenders, title companies and other real estate settlement providers are a real challenge. Even for full-time real estate attorneys, RESPA is a very complex statute. You must be careful and ask questions of the attorney you choose in order to make sure you get the proper legal protection that the RESPA statute i is designed to accomplish. Consumers and Businesses alike are protected when RESPA is in compliance.

Question #1

“What RESPA experience do you have?”

No doubt about it. Start with the big one. Real estate laws and regulations are complicated enough without adding RESPA to the equation. Have they prepared marketing agreements that comply? Have they attended RESPA specific training courses and seminars? Have they kept abreast of the most recent HUD guidelines and court cases nationally regarding RESPA? How many RESPA cases and clients have they handled? What types of RESPA cases did they handle? Were the issues similar to yours? What were their results? Don’t be shy!

Question # 2

“What type of reputation does the attorney have?”

This is a tough one to figure out – so do your homework! Is the attorney primarily a transaction attorney or a litigator skilled in courtroom procedures if necessary? Your attorney must have the communication skills necessary to work with the other attorney as well as you. The other attorney, if more knowledgeable on RESPA can run over you and your lawyer. Remember that many cases are won or lost on the attorney’s knowledge and high ethical standards. Check the local Bar association for background. Get references and check them out thoroughly.

Question # 3

“What type of resources does the attorney have?”

No attorney can do everything well. Make sure that your attorney has the resources available to work your case efficiently. Does the attorney have a well established network of experts and fellow attorneys who can network with to add value and expertise to your problem? Some attorneys try to do it all and act as a one man band. Your attorney’s ego should not be larger than your case. A good attorney quickly involves others with higher degrees of expertise in areas where it is needed to represent you properly. The experts they use are a reflection of your new attorney.

Question # 4

“What about communications and follow up?”

The hallmark of a good attorney is the degree of communication he has with his clients. If you have to ask “What’s going on with my case?” then you have a problem. You don’t want to have these types of issues after choosing an attorney. Be blunt and ask how often you will be contacted and updated. How will you be contacted? Will the attorney just send you a form letter or use personal communication and contact? How do you prefer to be contacted? E-mail, phone calls, letters? Ask for it. “Are you too busy to handle me? Are you going to push me to a lower level staffer or junior attorney?” Clear communication and updates can ensure success and results.

Question # 5

“How do they charge?”

Some attorneys charge a flat fee, some charge a contingency based upon results and some charge hourly rates. The type of problem or case generally dictates the type of charge. There is an old saying, “Speed, Efficiency and Price – pick TWO!” The cheapest attorney may not be the best and the most expensive attorney may not be the best either! Make sure that you are not penny wise and dollar foolish. You are choosing an attorney for results. Make sure that your attorney has the financial incentive to work your case efficiently and successfully.

An Explanation Of Property Management Fees

Whilst many people can see the benefits in firing a property management service to help them deal with the pressures of being a landlord over a residential or commercial property, they are often hesitant to sign on the dotted line because of the costs involved. There are a number of different fees that your management service may impose for one reason or another, but we have aimed to outline the most common ways that you will be charged.

Commission

This is the name given to an ongoing monthly fee that you will be charged to compensate for the time the property management service puts into your portfolio. This fee could be as little as 3% of your monthly gross rent or it could be over 15%, it just depends on the service that you have chosen. Others will choose to charge a flat rate, but this is uncommon.

Lease or Setup

This is a one-off fee charged to compensate the property management team for the time and resources needed to set up your portfolio, to show the property to potential tenants and other responsibilities related to the procurement of tenants. Many people like to look at this charge as more of a ‘finders fee’, as this is essentially what the manager is doing.

Lease Renewal

This is a fee that you will be charged every time your property management service renews a current tenant’s lease. It covers the costs of having paperwork drawn up (as this often involves some legal aspect) and any communication involved in having the documents signed. Some services also believe that this fee covers an annual inspection.

Maintenance Markups

This is a fee that many people are often unaware of until some sort of maintenance is performed on their property. It will be disclosed in the contract that you hold with the manager and will list a percentage above the final invoice amount that you will be charged additionally (it is often around 10% and is to compensate the manager for their hassle).

On top of the four fees outlined above, many property management services will also charge what many people have dubbed “you’ve got to be kidding me fees”; costs that the service may believe are fully justified but that you can’t believe you are being asked to cover. These fees include being charged commission even though your property is empty, a preventative maintenance fee that isn’t refunded even if nothing goes wrong, and costs for signage.