Real Estate Agent Job Description

Real estate agents liaise between home owners and buyers to conduct the sale, purchase or rent of properties. They work for brokers and play a major role in assisting people buy or sell residential, commercial or industrial property. They keep and maintain an up-to-date account of property listing and other relevant housing information to stay abreast with properties available on the real estate market. They subscribe to several listing services to advertise and market properties up for sale. They also contact property and market properties up for sale. They also contact property owners to obtain information regarding a property.

As part of their responsibilities, estate agents present sales and purchase offers to clients for consideration. They advise them on property rates, legal requirements and general market trend. They also interview clients to determine their property preference or specification. Usually, they prepare a list of properties that best match the needs and requirements of clients. They visit and inspect properties in order to establish precise property value. They also proffer recommendations to clients on properties that best suit their budget and preference.

Most estate agents oversee the preparation of closing statements, purchase agreements, representation contracts and other necessary documents required for estate trade. They conduct negotiations between property sellers and buyers to establish price and other terms of sales. They also liaise with pest control operators, home inspectors etc. to ensure the terms and conditions stated in a purchase agreement are met prior to the closing of sales.

In fulfilling their role, real estate agents oversee the closing of property sales, they ensure payment is complete and appropriate documents signed. They maintain contact with clients to offer them real estate services/products and assist with the resolution of issues. They also provide consultation services to clients to recommend strategies for the speedy sale of property. They often conduct training programs for junior/trainee sales agents to enhance their sales skill. This job position requires at least a high school diploma, state license for practice and an aptitude for sales. Qualities needed for the job include persuasion, interpersonal skills and problem-solving skills.

Real Estate Agent Job Description Sample

Given below is a sample of the job description usually handed real estate agents by most employers:

  • Act as liaisons to conduct real estate trade between property buyers and sellers
  • Present sales offers to clients as well as bid on available properties
  • Carry out investigations to determine client credit status and ability to complete payment
  • Inspect properties to appraise its value and estimate the worth on the property market
  • Interact with clients to identify their requirements and proffer recommendations on properties that best suit their budgets
  • Assist home sellers in promoting their buildings on property listing services to attract clients for purchase
  • Prepare and deliver sales pitches to clients in order to secure real estate contract
  • Provide clients with a list of properties available for sale to assist them in making choice selection
  • Conduct price negotiations between property buyers and sellers to ensure a fair bargain for both parties
  • Provide clients with a tour of residential, industrial or commercial properties to showcase and explain property features
  • Carry out investigations to confirm clients have clear property titles
  • Provide appropriate reply to client’s enquiries concerning property appraisals, financing, maintenance etc.
  • Examine property premises to recommend maintenance measure required to improve the face value
  • Assist clients in evaluating mortgage options to obtain the best rate and terms
  • Attend conventions, conferences and seminars to improve existing job knowledge and expand personal network.

If you are a recruiter needing the best real estate agent to hire, you can use the sample job description above in making one for your company, for use in hiring and assigning duties to the successful candidates.

Choosing Ringbearer Gifts Does Not Have to Be A Bear

The significance of wedding rings is best illustrated in people's fear of losing them. There are people who boast of having never removed their wedding ring since their wedding day, though this is sometimes due to changes to their weight since they said, "I do." But really, how important are wedding rings? Moreover, how many times have we heard of what a nightmare it is to lose your ring? We hear stories of people losing their rings in the labyrinth of pipes underneath the kitchen sink. Then, there was the movie "American Wedding," in which wacky Steve Stiffler accidentally feeds the bride's wedding ring to a dog. Clearly, wedding rings are very important. Consequently, even though the ringbearer is one of the shortest members of the bridal party, his is the task of the tallest order. So, when you choose ringbearer gifts, keep in mind the critical role that your ringbearer plays.

The Ringbearer
The use of ringbearers is fairly modern. They tend to be young brothers or nephews of the bride or groom, and usually range in age from 5 to 10. In weddings that are formal, the ringbearer, or pageboy, has one of two different functions. First, the ringbearer might carry the bridal party's rings on a huge white satin pillow. Boys will be boys, and almost anything could happen during his waddle down the aisle. Usually, the best man himself secures the rings, or thread is used to attach the rings onto the ringbearer's pillow.

Another function of the ringbearer is to carry the bride's train, if it is lengthy.

The Basics
Whether the ringbearer totes the rings or holds the train, make him feel special through your choice of ringbearer gifts. For example, consider what your ringbearer likes. Here are some ringbearer gifts that might ring well with him.

Ring Bearer Fun Box Gift: This is decorated to look like a Ringbearer's tuxedo. Inside it is fun games, cookies, and candies.

Ringbearer Baseball Cap: This will remind the boy that he was in the starting lineup of the wedding ceremony.

Space Magic Cookie Pot: This is a bouquet that is packed with cookies and candies. What kid says no to sweets?

Ringbearer Activity Tote Bag: This is a fabric bag with several gift items inside.

Personalized Gifts
Aside from the obvious height difference, kids and adults are not too different from each other. Like adults, kids want to feel special, too. Personalized ringbearer gifts help you do just that. Here are a few personalized ringbearer gifts to consider.

Personalized Baseball: This will make any little leaguer feel like a big leaguer. The ball is mounted on a walnut-finish stand.

Ringbearer T-shirt: This will let your mini lord of the rings remember the special day. How could he not with his name is printed on the shirt?

Personalized Silver Plated Yo-Yo: Give a new twist to the old toy! Each time your ringbearer uses this ringbearer gift, he will remember his walk down the aisle.

Being the ringbearer in a wedding can be daunting for any youngster. Help your ringbearer enjoy the task by giving him a well-thought out ringbearer gift. Carefully chosen ringbearer gifts will make your wedding day one that will always ring a bell in your little ringbearer's mind.

Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a named or tiered waiting period has passed. If you die before the waiting period has passed, you usually will receive the return of your premium payments with some sort of interest.

FINAL EXPENSE WHOLE LIFE INSURANCE – This type of whole life insurance is aimed at burial and funeral expenses and other final expenses. Usually, no medical exam required and death benefit is limited to $50,000 or less.

SINGLE PREMIUM WHOLE LIFE – This whole life policy is paid for by a single lump sum payment. In return the beneficiary receives a larger death benefit than the payment.

THINGS TO CONSIDER: You may be interested in mixing and matching different types of policies. For example; There is a need for 500k immediately. As time goes on, the kids have graduated college and are out of the house, the house is almost or totally paid off. Now the need is less. In this example you may want to purchase a 330k universal life and a 20 year 200k term. This plan will save you money and still protect your family for life.

Or, you may want to mix term, critical illness, accident, universal life, or whole life in various ways depending on your needs.

RIDERS:

Waiver of Premium Rider – pays life insurance premium if you become disabled and can’t work. There is usually a waiting period and rider usually expires at age 60 or 65.

Critical Illness Rider – Rider is explained above.

Return of Premium Rider – Rider is explained above.

Guaranteed Insurability Rider – this rider allows you to purchase an additional amount of life insurance at a later date without having to prove insurability again or take another medical exam.

Term Conversion Rider – allows you to convert a term insurance policy into a permanent policy without proving insurability again.

Accelerated Benefit Rider – this rider is only for permanent life insurance policies. This rider is usually included automatically for free. It allows you to collect a portion of your policy’s death benefit if you become terminally ill with a short life expectancy, usually one year. The portion paid out is subtracted from you policy’s death benefit.

Accidental Death Benefit Rider – This rider pays in addition to the death benefit if you die from an accident.

Child protection Rider – Usually used to pay final expenses if the unthinkable happens. Often, at a nominal cost and purchased in units of $1,000.

UNDERWRITING: requirements depend on insurance carrier, type of policy, amount of death benefit, age, build chart, gender, medical history, medications, family history, motor vehicle report, and other factors.

An application is always required, although, non-medical policies usually have a simple application.

Requirements could be: Paramed (certified medical processor or nurse comes to your place of choosing, takes you through a medical questionnaire, measures your height and weight, takes blood and urine sample, possibly EKG either resting or non-resting), Medical information from your physician or hospital, Medical exam, etc.

HEALTH CLASSES – Typical health classes would be, Preferred Best, Preferred, Select Standard, Standard, and then different nicotine classes such as, preferred nicotine, select nicotine, and standard nicotine.

It is possible to be rated less than standard depending on health and underwriting factors.

You must qualify for a health class. This is chosen by the underwriter after the underwriting process is complete. The agent can only quote you the different health classes but this can change with the underwriting process.

Health Conscious Cooking Schools

Cookery school is a relatively modern concept that proves to be an exciting holiday option. Though the classes revolve around culinary art, they do not offer graduate degrees and are not accredited institutions. They are usually restaurants, hotels or snack bars. Cooking school tours are perfect vacation options, as they help tourists to acquire a local experience and try their hands at cooking local dishes, while traveling and shopping. Health conscious cooking schools tours provide details regarding various cooking styles that help retain food value and nutrition.

Many people follow diet plans that may be self created, recommended or decided upon by their physicians. They are planned, keeping in mind the nutrition needs and food preferences. Health conscious cooking school tours revolve around cooking classes that are meant to teach people about the food options that safeguard the interests of health conscious people.

Established hoteliers and restaurants often make health conscious cooking school tours available. It is important to make reservations in advance, as these classes are not walk-ins. Most of these classes have a minimum number of attendees to enable the in- house chefs and nutritionists to concentrate and interact with all the participants, individually.

These classes teach the tourists to prepare easy, healthy and delicious meals. Such classes are available for amateurs and professionals, separately. This allows enthusiastic visitors to learn to prepare basic health conscious dishes, whereas professionals can opt for the gourmet preparations. In case these tours are a part of overseas vacations, rather than a weekend activity, people need to enquire about availability of English speaking staff. Tourists need to be attentive to their visa terms and should carry all relevant documents. Tourists may book a health conscious cooking school tour or ask travel agents to include such activities, as part of their vacation plan.