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Shop PBS PBS.org | Shop for Teachers Wish List | My Account | Help | Track Your Order | Shopping Cart [0 items] media: choose format -------- Books DVD Music VHS genre: all genres -------- Arts Business Health History Home & How To Kids Learning Nature News Religion Science Travel Welcome to ShopPBS.org. (Already a customer? Sign in ) By Keyword or Catalog Number TODAY'S DEALS SHOP BY INTERESTS New on DVD Top Selling Titles British Comedy British Drama Celtic & British Awards and Honors African American Military History Soundtracks & Music PBS Program Club Video Previews Coming Soon Shop Kids Shop GIFT CENTER SHOP BY SERIES American Experience American Masters Empire Series FRONTLINE Hands-On History Masterpiece Theatre Mystery NOVA NOW Scientific American Frontiers Sesame Street SHOP BY PRODUCER Ken Burns Ric Burns David Grubin Stephen Ives Rick Sebak Gift Certificates Proceeds from your shopPBS purchase directly supports the innovative, independent and original programming that youve come to expect on your local PBS station . Thank you for your continued support !* RECENTLY FEATURED ON PBS See All Window to the Sea (DVD) Buy 3 DVD, VHS or Media products and get the 4th FREE!** Our Price: $29.99 Our Price: $29.99 -- Add to Cart Frontline: Diet Wars (DVD) Buy 3 DVD, VHS or Media products and get the 4th FREE!** Our Price: $29.99 Our Price: $29.99 -- View product Masterpiece Theatre: Lost Prince, The (DVD) Buy 3 DVD, VHS or Media products and get the 4th FREE!** Our Price: $19.98 Our Price: $19.98 -- Add to Cart Christmas w/ the Mormon Tabernacle Choir: Temple Sq. Feat. Audra McDonald (DVD) Buy 3 DVD, VHS or Media products and get the 4th FREE!** Our Price: $17.98 Our Price: $17.98 -- View product Frontline: Secret History of the Credit Card (DVD) Buy 3 DVD, VHS or Media products and get the 4th FREE!** Our Price: $29.99 Our Price: $29.99 -- View product NOW: 12/30/05 (DVD) Buy 3 DVD, VHS or Media products and get the 4th FREE!** Our Price: $19.99 Our Price: $19.99 -- View product Christmas w/ the Mormon Tabernacle Choir: Temple Sq. Feat. Audra McDonald (DVD) Ken Burns: Civil War, The: 5PK (DVD) Frontline: Secret History of the Credit Card (DVD) American Masters: Bob Dylan: No Direction Home (DVD) Frontline: From Jesus to Christ: The First Christians (DVD) See all Best Sellers Affiliate Program ©2005. Receive e-mails about shopPBS.org news and special offers. Enter your email address: Privacy Policy Gift Center Request a Catalog *List price is for reference only. No sales may have occurred at this price. **See product page for details.



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Inman Real Estate News - Navigating real estate loan locks, docs Part 7: Finding the right home loan Navigating+real+estate+loan+locks%2c+docs Part+7%3a+Finding+the+right+home+loan %3ca+href%3d'http%3a%2f%2fwww.inman.com'+target%3d'_blank'%3eInman+News%3c%2fa%3e Jack+Guttentag 2005-12-19T00%3a00%3a00.0000000-08%3a00 49257 HOME | NEWS | JOIN | PRODUCTS | CONFERENCES | ADVERTISE | ADVICE | ABOUT US | CONTACT US | SUBMIT A TIP Member Resources Members Home Search Inman News Content Warehouse Cartoon Database Weekly Newsletter Special Reports Audio Files Inman Blog Feedback Connect Registration Audio Conference LETTERS TO THE EDITOR There's no denying real estate bubble Re: ' Worst-case scenario for housing next year ' (Dec. 28) Dear Editor: I have been a real estate investor since I was 19. I am now 54. To deny a real estate bubble is to ignore the obvious market fundamentals. Obviously, there are different factors in different markets, but as a longtime investor/Realtor/broker there is no logical argument against real estate prices declining 10 percent to 30 percent in the "hot markets." The South Florida condo market will be a blood bath. The median income cannot buy the median house in most markets; interest rates will continue creeping up; speculators have driven prices to insane levels and when the going gets rough they will walk from a lot of residential properties. Most "hot" areas are becoming alarmingly overbuilt with residential inventories rising; lenders have ticking time bombs in their ARMs, negative equity and interest-only mortgages. Do your homework. Be wary of those whose opinions are tainted by the fact that they or their company have a stake in this insane market continuing. Michael H. Mosieur Mosieur Business Brokers Re: ' America closes doors to architectural expression ' (Dec. 26) Dear Editor: This is one of the most insightful articles I've read in a long time. We might add, "And what are we doing to our children as we worship at the altar of the mundane?" Years ago I read that about 1,000 children were tested for creativity just prior to entering kindergarten. Eighty-five percent of the children tested "creative." Twelve years later the same group was tested, and only 35 percent of the students tested "creative." What happened to the children along the scholastic way, and does the country even care? Where's the outcry? Isn't the creativity of our generations one of our most precious resources? It's been said that we're only one generation away from losing our freedom. Could it be that with escalating offshore competition in view, and stultifying U.S. scholastic models utilized, that the above advisory could also apply to our economic freedom? A. Bruce Belfield III Associate real estate broker Hurricane, W.V. FREE website content! Make Inman.com your homepage Get the Inman News Toolbar Link to Inman News Consumer News Commercial News Real Estate Articles from Inman News Already a Member? Log in below to view full story: User ID: Password: Lost Password? Navigating real estate loan locks, docs Part 7: Finding the right home loan Monday, December 19, 2005 By Jack Guttentag Inman News To read this article, become a Member of Inman News now! JOIN NOW TO BECOME AN INMAN MEMBER 100% Satisfaction Guaranteed Group discounts available First Name: Last Name: E-mail: User Name: Call 1.800.775.4662 x128 8am - 5pm Pacific Time to order by phone or to get a discount group membership for your company or colleagues. View News Article Sample Hear Sample View Newsletter Sample Connect Info View Audio Conference Schedule Back Top © 2005 Inman News Home | Privacy | Editorial | Legal | Site Map



Colorado Real Estate

CE Colorado Licensure Information Education, Experience and Exam Requirements Click here for information on the coursework and exam requirements for licensure. Examination Information For information about the real estate broker examination program, including reservation and application processes, click on the following hyperlink: Broker Candidate Bulletin To make an exam reservation click here: PSI website, or call PSI's Candidate Care Center at 1-(800) 733-9267. Procedure For Licensure Step 1: Character In addition to determining competency standards, the Real Estate Commission is authorized by statute to require and procure proof of the truthfulness, honesty and good moral character of any applicant. PRIOR to submitting an application for a license: each applicant shall submit a set of fingerprints to the Colorado Bureau of Investigation for the purpose of conducting a state and national criminal history record check. Click here for more information. Step 2: Education, E xperience and E xamination requirements must be documented prior to filing the appropriate application for licensure. a. Education certificates are furnished by the real estate schools after completion of the course requirements. Official transcripts are required for applicants who qualify based on a degree with a major course of study in real estate from an accredited college or university. b. An exam score report is furnished immediately upon completing the exam. Exam scores will be sent to the DRE electronically and you will not need to include score reports with your application. The real estate license examination is made up of two parts, the general part, and the local (state) part. Applicants for licensure who must receive passing scores on both the general part and the state part of the examination need not receive them on the same administration date. If one part is failed, the applicant may retake it at a subsequent time. In no event will a passing score on either part be accepted beyond one year. c. You must obtain a certificate of license history from each jurisdiction in which you hold or have held a real estate license. If the other license is current (active or inactive), the certificate must be less than 90 days old when you submit your Colorado application. If the other license is expired, the certificate must be dated after the license expiration date. (NOTE: Each state/jurisdiction responds to requests for certification of license history with varying degrees of timeliness. Plan ahead for this so as to avoid delay in submitting your Colorado application. Step 3: Errors and Omissions (E&O) Insurance. You must have E&O insurance in place on your license before it will be issued on active status. Talk to your employing broker, as some have purchased independent E&O policies. If you or your broker use the state-endorsed group policy , the vendor, Rice Insurance Services Company (RISC) will automatically download your coverage into our database. You may enroll in the group policy on-line at www.risceo.com or call them at 1 (800) 637-7319. If you have independent coverage, you must certify coverage to the commission on the form " Certificate of Independent Coverage ". Step 4: Complete the application form . Enclose all required documentation and appropriate application fee. You may deliver or mail the application to the DRE. Don't forget that exam scores are only valid for one year. Processing of your application may take up to six weeks. Initial licenses will be issued for a three-year period expiring on the anniversary date of the issuance. If you have questions on Licensing in Colorado, e-mail us Privacy Statement | Disclaimer Technical Assistance: E -Mail Information Technology Section Revised November 2, 2005 Federal Home Page || State Home Page || Department Home Page Division Home Page || Top of Page E-Mail the Division of Real Estate 1900 Grant Street, Suite 600 Denver, CO 80203 (303) 894-2166 or (303) 894-2185 - Phone (303) 894-2683 - Fax Relay Colorado (TTY (English & Spanish), Voice, VCO, ASCII, STS Assistance Numbers)




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