Part 1: Course Information

Instructor Information

Lead Instructor: Glenn Stewart

Office: 2650 Beach Blvd. #35

Biloxi, MS 39531
Office Hours: 9am to 4pm
Office Telephone: (228) 354-8585
E-mail: glen@clausonrealty.com

Substitute Instructor: Leslie Clauson

Office: 2650 Beach Blvd. #35

Biloxi, MS 39531
Office Hours: 9am to 4pm
Office Telephone: (228) 354-8585
E-mail: glen@clausonrealty.com

Course Description

This course covers real estate information and issues that are important to the success of a first-year real estate professional. It will provide the adult learner with an in-depth knowledge of real estate concepts such as agency, contracts, antitrust, prospecting, negotiations, environmental hazards, property condition disclosure, and financing.

Thirty Hours of Instruction

Textbook & Course Materials

This course is self-contained. Materials are on the lesson pages.

Recommended Texts & Other Readings

IREBBEA and the Beneficiaries	http://www.habitat.org/housing-help/apply https://www.habitat.org/volunteer/near-you/find-your-local-habitat https://www.habitat.org/volunteer/build-events/carter-work-project https://www.habitat.org/about/history/habitat-for-humanity-co-founder-linda-fuller http://www.koinoniapartners.org/ https://www.habitat.org/about/history/habitat-for-humanity-co-founder-millard-fuller https://www.habitat.org/volunteer/near-you/women-build https://www.habitat.org/about/history https://www.habitat.org/impact/our-work/neighborhood-revitalization https://www.habitat.org/impact/our-work/terwilliger-center-innovation-in-shelter/microfinance https://www.habitat.org/impact/solutions/terwilliger-center-innovation-in-shelter/microbuild https://www.habitat.org/impact/our-work/terwilliger-center-innovation-in-shelter https://www.habitat.org/about/advocacy/take-action/habitat-iii http://www.habitat.org/archive/2016/10-3-Habitat-for-Humanity-commitments-to-reduce-poverty-and-foster-more-sustainable-cities https://www.getreti.com/wp-content/uploads/2019/05/terwilliger-center-handbook.pdf https://www.habitat.org/restores?gclid=CjwKCAiA5qTfBRAoEiwAwQy-6Xa4iOtU5u8yB7wK_4y9pPNpjC2Mz90bI2ZMxcl3hML4l4mLMGqyvhoCqkgQAvD_BwE https://www.habitat.org/where-we-build https://www.habitatmca.org/?utm_campaign=HFHI_AffiliateSearch&utm_medium=referral&utm_source=habitat.org info@habitatmca.org https://fullercenter.org/mission-statement/ https://fullercenter.org/volunteer https://interland3.donorperfect.net/weblink/weblink.aspx?name=fullercenter&id=11 https://fullercenter.org/start-covenant-partner sdriggers@fullercenter.org https://fullercenter.org/chattahoochee North Central Arkansas CALIFORNIA Los Angeles Palm Desert San Diego COLORADO Moffat County (Craig) FLORIDA Bahia Vista Community Big Lake Fuller Center (Okeechobee) (organizing) Central Florida Greater Miami Spring Hill (Nature Coast FCH) Sarasota Tallahassee * GEORGIA Albany Area * Americus-Sumter County * Blakely-Early County, Blakely Lake Lanier-Cumming Greater Atlanta Henry County (McDonough) Macon * Southwest Quarter (Lumpkin) IDAHO Boundary County, Bonners Ferry Lewis-Clark Valley (Lewiston) Silver Valley (Smelterville) * ILLINOIS Chicago Lake County-Waukegan * Illinois Valley-Peoria INDIANA Central Indiana * Greater Elkhart Gary Jasper County-(Rensselaer) Logansport St. Joseph County IOWA Southwest Iowa (Shenandoah) KENTUCKY Ashland-Ironton Land of Logan (Russellville) Louisville * Springfield LOUISIANA Ginger Ford Northshore (Hammond) * Livingston Parish Natchitoches New Iberia Northwest Louisiana (Shreveport) * Providence (Lake Providence) Webster Parish * MARYLAND Prince George’s County-Brentwood MISSISSIPPI Copiah County-organizing Greenwood / Leflore Houston Marshall County Pike County* Yalobusha County MISSOURI Greater Kansas City * Johnson County (Warrensburg) Joplin Area, Joplin NEW JERSEY Atlantic City NEW YORK Greater New York City (New Rochelle)* NORTH CAROLINA Surry/Stokes (Pilot Mountain) OHIO Clark County (Springfield) Darke County Greater Toledo Northwest Portage County (Aurora) OKLAHOMA Ada Oklahoma City PENNSYLVANIA Community Mission-Minersville Hazleton Kensington-Philadelphia Mercer County SOUTH CAROLINA Colleton County-Walterboro Spartanburg TENNESSEE Middle TN-Nashville TEXAS Eastside Waxahachie (Dallas area) Kilgore Hunt County, Greenville VIRGINIA Carroll County Greater Area (Hillsville) WEST VIRGINIA Beckley Potomac Highlands Fuller Center-Franklin MOBILE COVENANT PARTNERS Disaster ReBuilders RV Builders U.S. COMMONWEALTH Puerto Rico
Email Compromise	https://files.consumerfinance.gov/f/documents/cfpb_buying-a-house_mortgage-closing_checklist.pdf How You Know You’ve Been Hacked What To Do When You’ve Been Hacked What To Do Before You’re Hacked http://www.staysafeonline.org/stay-safe-online/free-security-check-ups/ https://www.consumer.ftc.gov/articles/0011-malware https://www.consumer.ftc.gov/articles/0009-computer-security#passwords https://staysafeonline.org/stay-safe-online/keep-a-clean-machine/hacked-accounts https://www.ftc.gov/smallbusiness https://www.ftc.gov/news-events/audio-video/business/protecting-your-business https://vimeo.com/user98318866 https://vimeo.com/ https://www.fbi.gov/scams-and-safety/common-fraud-schemes/business-fraud https://www.fbi.gov/scams-and-safety/common-fraud-schemes/credit-card-fraud https://www.fbi.gov/scams-and-safety/common-fraud-schemes/internet-auction-fraud https://www.fbi.gov/scams-and-safety/common-fraud-schemes/investment-fraud https://www.fbi.gov/scams-and-safety/common-fraud-schemes/nigerian-letter-or-419-fraud https://www.fbi.gov/scams-and-safety/common-fraud-schemes/non-delivery-of-merchandise http://www.ic3.gov/media/annualreports.aspx http://www.ic3.gov/crimeschemes.aspx http://www.ic3.gov/preventiontips.aspx https://www.getreti.com/wp-content/uploads/2019/03/C-12-1020-12-TD02.pdf https://www.newscentermaine.com/article/news/local/homebuyers-beware-billion-dollar-phishing-scam-hits-maine/97-593125873 https://www.localsyr.com/news/local-news/onondaga-county-da-issues-warning-of-increased-direct-deposit-phishing-scams/ https://www.larealtors.org/publications/2019/2/22/breaking-news-email-scam-alert https://abovethelaw.com/2019/01/biglaw-firm-duped-into-wiring-money-to-scam-account-loses-2-5-million-in-cyber-breach/
Nathan E. Hardwick IV and the DOJ	https://www.justice.gov/usao-ndga https://www.law.com/dailyreportonline/2018/10/12/hardwick-convicted-on-all-counts/ https://www.law.com/author/profile/Meredith-Hobbs/ https://www.law.com/dailyreportonline/2018/10/12/hardwick-convicted-on-all-counts/ https://www.law.com/dailyreportonline/2019/02/12/hardwick-sentenced-to-15-years-for-greedy-and-deceitful-conduct/ https://www.law.com/dailyreportonline/2019/02/13/judge-sentences-hardwick-co-conspirator-maurya-to-seven-years/ https://www.getreti.com/wp-content/uploads/2019/07/ltaguidelinessubsidiaryledger.pdf
What’s New in Residential Real Estate Brokerage Agency (Part 1)	https://www.ftc.gov/news-events/audio-video
What’s New in Residential Real Estate Brokerage Agency (Part 2)	https://vimeo.com/352599908
What’s New in Residential Real Estate Brokerage Agency (Part 3)	https://www.ftc.gov/news-events/events-calendar/2018/04/whats-new-residential-real-estate-brokerage-competition-ftc-doj https://vimeo.com/352598144
I-Buyers – A Popular Emerging Model	https://www.opendoor.com/w/faq/why-home-condition-assessment https://www.opendoor.com/w/guides/how-opendoors-costs-compare-with-traditional-home-sale https://www.opendoor.com/w/faq/why-home-condition-assessment https://www.opendoor.com/w/faq/what-happens-to-my-home-after-ive-sold-it-to-opendoor https://opendoormortgage.co/#showabad https://www.opendoor.com/w/trusted-lenders https://www.opendoor.com/w/faq/can-i-use-my-own-agent-to-buy-with-opendoor https://buywith.opendoor.com/ https://www.opendoor.com/w/faq/what-is-a-self-tour-home https://www.opendoor.com/w/faq/how-does-buying-from-opendoor-work https://www.opendoor.com/w/faq/qualify-for-financing-before-submit-offer https://www.opendoor.com/w/guarantee https://www.opendoor.com/w/faq/what-are-the-benefits-of-trading-in-with-opendoor https://www.opendoor.com/w/faq/how-can-i-lower-my-service-charge-by-2-if-i-trade-in-in-dallas-fort-worth-or-phoenix https://www.opendoor.com/w/faq/how-trade-in-home-builder-works https://www.opendoor.com/w/how-it-works https://www.knock.com/ https://www.offerpad.com/ https://sell.offerpad.com/ https://www.offerpad.com/move-for-free/ https://www.offerpad.com/extended-stay/ https://www.offerpad.com/benefits/ https://www.offerpad.com/move-for-free/ https://www.zillow.com/offers/ https://www.redfin.com/now https://www.redfin.com/now
Advertising and Marketing on the Internet	http://www.law.cornell.edu/uscode/15/41.html https://www.ftc.gov/bcp/policystmt/ad-decept.htm http://www.law.cornell.edu/uscode/15/41.html https://www.ftc.gov/bcp/policystmt/ad-unfair.htm http://www.bbb.org/ https://www.ftc.gov/ http://www.consumer.gov/ http://www.bbb.org/ https://www.ftc.gov/ro/romap2.htm http://www.bbb.org/advertising/advertiserAssist.html https://www.ftccomplaintassistant.gov/
Planning to Marketing	https://youtu.be/ZdkQKLLD9_g Affinity marketing Advertising History of advertising Sex in Advertising Advertising management American business history Brand awareness Co-marketing Consumer confusion Consumer behaviour Database marketing Demand chain Digital marketing Email remarketing Family in advertising History of marketing List of marketing terms Loyalty marketing Macromarketing Marketing mix Marketing Management Marketing research Marketing strategy Micromarketing Media manipulation Multicultural marketing Product management Production orientation Public Sector Marketing Real-time marketing Relationship marketing Smarketing Societal marketing Sustainable market orientation Visual marketing https://www.sba.gov/business-guide/launch/open-business-bank-account-fees-benefits https://www.irs.gov/businesses/small-businesses-self-employed/form-8300-and-reporting-cash-payments-of-over-10000
Understanding Your Customer	Consumer Credit Data: URL, https://www.federalreserve.gov/releases/g19/current/default.htm U.S. Bureau of Economic Analysis: URL, https://www.bea.gov/ Consumer Product-Related Statistics: URL, https://www.cpsc.gov/ Inflation and Consumer Statistics: URL, https://www.bls.gov/cpi/factsheets/home.htm Employment Statistics: URL, https://www.bls.gov/bls/employment.htm Export Research: URL, https://www.export.gov/Market-Diversification
Reflections of the Fair Housing Act	https://youtu.be/0IWmNBOV_68
The Fair Housing Act	https://youtu.be/x0Z_qjBHITs https://www.hud.gov/program_offices/fair_housing_equal_opp/non_discrimination_housing_and_community_development_0 https://www.hud.gov/program_offices/fair_housing_equal_opp/fair_lending
Sexual Harassment in Housing	https://youtu.be/bOclz1b4kmg https://youtu.be/6MjOg0Soc48 https://youtu.be/9SL3enTQzTA https://www.federalregister.gov/documents/2016/09/14/2016-21868/quid-pro-quo-and-hostile-environment-harassment-and-liability-for-discriminatory-housing-practices https://www.hud.gov/program_offices/fair_housing_equal_opp/sexual_harassment_resources https://www.hud.gov/program_offices/fair_housing_equal_opp/sexual_harassment_resources https://www.federalregister.gov/documents/2016/09/14/2016-21868/quid-pro-quo-and-hostile-environment-harassment-and-liability-for-discriminatory-housing-practices
Protection for Persons with Disabilities	http://www.usdoj.gov/crt/ada/adahom1.htm https://www.hud.gov/program_offices/fair_housing_equal_opp/disabilities/sect504faq https://www.hud.gov/program_offices/fair_housing_equal_opp/physical_accessibility https://www.hud.gov/program_offices/fair_housing_equal_opp/assistance_animals
Housing Choice Voucher Program Section 8	https://www.hud.gov/program_offices/public_indian_housing/pha/contacts https://www.hud.gov/program_offices/public_indian_housing/pha/contacts https://www.hud.gov/states Subpart A—General Information §982.1 Programs: purpose and structure. §982.2 Applicability. §982.3 HUD. §982.4 Definitions. §982.5 Notices required by this part. Subpart B—HUD Requirements and PHA Plan for Administration of Program §982.51 PHA authority to administer program. §982.52 HUD requirements. §982.53 Equal opportunity requirements and protection for victims of domestic violence, dating violence, sexual assault, or stalking. §982.54 Administrative plan. Subpart C—Funding and PHA Application for Funding §982.101 Allocation of funding. §982.102 Allocation of budget authority for renewal of expiring consolidated ACC funding increments. §982.103 PHA application for funding. §982.104 HUD review of application. Subpart D—Annual Contributions Contract and PHA Administration of Program §982.151 Annual contributions contract. §982.152 Administrative fee. §982.153 PHA responsibilities. §982.154 ACC reserve account. §982.155 Administrative fee reserve. §982.156 Depositary for program funds. §982.157 Budget and expenditure. §982.158 Program accounts and records. §982.159 Audit requirements. §982.160 HUD determination to administer a local program. §982.161 Conflict of interest. §982.162 Use of HUD-required contracts and other forms. §982.163 Fraud recoveries. Subpart E—Admission to Tenant-Based Program §982.201 Eligibility and targeting. §982.202 How applicants are selected: General requirements. §982.203 Special admission (non-waiting list): Assistance targeted by HUD. §982.204 Waiting list: Administration of waiting list. §982.205 Waiting list: Different programs. §982.206 Waiting list: Opening and closing; public notice. §982.207 Waiting list: Local preferences in admission to program. Subpart F [Reserved] Subpart G—Leasing a Unit §982.301 Information when family is selected. §982.302 Issuance of voucher; Requesting PHA approval of assisted tenancy. §982.303 Term of voucher. §982.304 Illegal discrimination: PHA assistance to family. §982.305 PHA approval of assisted tenancy. §982.306 PHA disapproval of owner. §982.307 Tenant screening. §982.308 Lease and tenancy. §982.309 Term of assisted tenancy. §982.310 Owner termination of tenancy. §982.311 When assistance is paid. §982.312 Absence from unit. §982.313 Security deposit: Amounts owed by tenant. §982.315 Family break-up. §982.316 Live-in aide. §982.317 Lease-purchase agreements. Subpart H—Where Family Can Live and Move §982.351 Overview. §982.352 Eligible housing. §982.353 Where family can lease a unit with tenant-based assistance. §982.354 Move with continued tenant-based assistance. §982.355 Portability: Administration by initial and receiving PHA. Subpart I—Dwelling Unit: Housing Quality Standards, Subsidy Standards, Inspection and Maintenance §982.401 Housing quality standards (HQS). §982.402 Subsidy standards. §982.403 Terminating HAP contract when unit is too small. §982.404 Maintenance: Owner and family responsibility; PHA remedies. §982.405 PHA initial and periodic unit inspection. §982.406 Use of alternative inspections. §982.407 Enforcement of HQS. Subpart J—Housing Assistance Payments Contract and Owner Responsibility §982.451 Housing assistance payments contract. §982.452 Owner responsibilities. §982.453 Owner breach of contract. §982.454 Termination of HAP contract: Insufficient funding. §982.455 Automatic termination of HAP contract. §982.456 Third parties. Subpart K—Rent and Housing Assistance Payment §982.501 Overview. §982.503 Payment standard amount and schedule. §982.504 Payment standard for family in restructured subsidized multifamily project. §982.505 How to calculate housing assistance payment. §982.506 Negotiating rent to owner. §982.507 Rent to owner: Reasonable rent. §982.508 Maximum family share at initial occupancy. §982.509 Rent to owner: Effect of rent control. §982.510 Other fees and charges. §982.514 Distribution of housing assistance payment. §982.515 Family share: Family responsibility. §982.516 Family income and composition: Annual and interim examinations. §982.517 Utility allowance schedule. §982.521 Rent to owner in subsidized project. Subpart L—Family Obligations; Denial and Termination of Assistance §982.551 Obligations of participant. §982.552 PHA denial or termination of assistance for family. §982.553 Denial of admission and termination of assistance for criminals and alcohol abusers. §982.554 Informal review for applicant. §982.555 Informal hearing for participant. Subpart M—Special Housing Types §982.601 Overview. Single Room Occupancy (SRO) §982.602 SRO: Who may reside in an SRO? §982.603 SRO: Lease and HAP contract. §982.604 SRO: Voucher housing assistance payment. §982.605 SRO: Housing quality standards. Congregate Housing §982.606 Congregate housing: Who may reside in congregate housing. §982.607 Congregate housing: Lease and HAP contract. §982.608 Congregate housing: Voucher housing assistance payment. §982.609 Congregate housing: Housing quality standards. Group Home §982.610 Group home: Who may reside in a group home. §982.611 Group home: Lease and HAP contract. §982.612 Group home: State approval of group home. §982.613 Group home: Rent and voucher housing assistance payment. §982.614 Group home: Housing quality standards. Shared Housing §982.615 Shared housing: Occupancy. §982.616 Shared housing: Lease and HAP contract. §982.617 Shared housing: Rent and voucher housing assistance payment. §982.618 Shared housing: Housing quality standards. Cooperative §982.619 Cooperative housing. Manufactured Home §982.620 Manufactured home: Applicability of requirements. §982.621 Manufactured home: Housing quality standards. Manufactured Home Space Rental §982.622 Manufactured home space rental: Rent to owner. §982.623 Manufactured home space rental: Housing assistance payment. §982.624 Manufactured home space rental: Utility allowance schedule. Homeownership Option §982.625 Homeownership option: General. §982.626 Homeownership option: Initial requirements. §982.627 Homeownership option: Eligibility requirements for families. §982.628 Homeownership option: Eligible units. §982.629 Homeownership option: Additional PHA requirements for family search and purchase. §982.630 Homeownership option: Homeownership counseling. §982.631 Homeownership option: Home inspections, contract of sale, and PHA disapproval of seller. §982.632 Homeownership option: Financing purchase of home; affordability of purchase. §982.633 Homeownership option: Continued assistance requirements; Family obligations. §982.634 Homeownership option: Maximum term of homeownership assistance. §982.635 Homeownership option: Amount and distribution of monthly homeownership assistance payment. §982.636 Homeownership option: Portability. §982.637 Homeownership option: Move with continued tenant-based assistance. §982.638 Homeownership option: Denial or termination of assistance for family. §982.639 Homeownership option: Administrative fees. §982.641 Homeownership option: Applicability of other requirements. §982.642 Homeownership option: Pilot program for homeownership assistance for disabled families. §982.643 Homeownership option: Downpayment assistance grants.
American with Disabilities Act	http://www.eeoc.gov/laws/types/disability.cfm https://www.eeoc.gov/eeoc/history/ada25th/index.cfm https://www.eeoc.gov/employers/coverage.cfm https://www.eeoc.gov/policy/docs/accommodation.html https://www.eeoc.gov/laws/guidance/pregnancy_guidance.cfm https://www.eeoc.gov/policy/docs/fmlaada.html https://www.eeoc.gov/policy/docs/workcomp.html https://www.eeoc.gov/facts/performance-conduct.html https://www.eeoc.gov/ http://www.dol.gov/whd/regs/compliance/whdfs28.pdf https://www.eeoc.gov/policy/docs/accommodation.html Employer-Provided Leave and the Americans with Disabilities Act Recruiting, Hiring, Retaining, and Promoting People with Disabilities Pandemic Preparedness in the Workplace and the Americans with Disabilities Act Your Employment Rights as an Individual With a Disability Job Applicants and the ADA Understanding Your Employment Rights Under the ADA: A Guide for Veterans Questions and Answers: Promoting Employment of Individuals with Disabilities in the Federal Workforce The Family and Medical Leave Act, the ADA, and Title VII of the Civil Rights Act of 1964 The ADA: A Primer for Small Business Your Responsibilities as an Employer Small Employers and Reasonable Accommodation Work At Home/Telework as a Reasonable Accommodation Applying Performance And Conduct Standards To Employees With Disabilities Obtaining and Using Employee Medical Information as Part of Emergency Evacuation Procedures The Mental Health Provider’s Role in a Client’s Request for a Reasonable Accommodation at Work Employer Best Practices for Workers with Caregiving Responsibilities Reasonable Accommodations for Attorneys with Disabilities How to Comply with the Americans with Disabilities Act: A Guide for Restaurants and Other Food Service Employers Final Report on Best Practices For the Employment of People with Disabilities In State Government Depression, PTSD, & Other Mental Health Conditions in the Workplace: Your Legal Rights ABCs of Schedule A Documents The ADA Amendments Act Final Regulations Implementing the ADAAA Questions and Answers on the Final Rule Implementing the ADA Amendments Act of 2008 Questions and Answers for Small Businesses: The Final Rule Implementing the ADA Amendments Act of 2008 Fact Sheet on the EEOC’s Final Regulations Implementing the ADAAA Veterans with Disabilities EEOC Efforts for Veterans with Disabilities Understanding Your Employment Rights Under the Americans with Disabilities Act: A Guide for Veterans Veterans and the Americans with Disabilities Act: A Guide for Employers Hiring Veterans with Disabilities in the Federal Government Tips for Applicants with Disabilities Applying for Federal Jobs The ABCs of Schedule A Q&A: Promoting Employment of Individuals with Disabilities in the Federal Workforce The Questions and Answers Series EEO Laws for Employees Affected by the Zika Virus Health Care Workers and the Americans with Disabilities Act Deafness and Hearing Impairments in the Workplace and the Americans with Disabilities Act Blindness and Vision Impairments in the Workplace and the ADA The Americans with Disabilities Act’s Association Provision Diabetes in the Workplace and the ADA Epilepsy in the Workplace and the ADA Persons with Intellectual Disabilities in the Workplace and the ADA Cancer in the Workplace and the ADA The Application of Title VII and the ADA to Applicants or Employees Who Experience Domestic or Dating Violence, Sexual Assault, or Stalking Mediation and the ADA Questions and Answers for Mediation Providers: Mediation and the Americans with Disabilities Act (ADA) Questions and Answers for Parties to Mediation: Mediation and the Americans with Disabilities Act (ADA) HIV/AIDS and the ADA Living with HIV Infection Your Legal Rights in the Workplace Under the ADA Helping Patients with HIV Infection Who Need Accommodations at Work The following documents were developed by the U.S. Department of Justice. Questions and Answers: The ADA and Persons with HIV/AIDS Protecting the Rights of Persons Living with HIV/AID
Guide to Antitrust	https://www.getreti.com/wp-content/uploads/securepdfs/2019/07/zgen01.pdf https://www.ftc.gov/tips-advice/competition-guidance/guide-antitrust-laws/antitrust-laws https://www.ftc.gov/news-events/press-releases/1993/01/ftc-targets-alleged-conspiracy-against-competition-kansas-city http://www.usdoj.gov/atr/public/guidelines/211578.pdf https://www.ftc.gov/enforcement/cases-and-proceedings/cases/2002/06/fmc-corporation-and-asahi-chemical-industry-co-ltd https://www.ftc.gov/os/caselist/0510234/index.shtm https://www.ftc.gov/enforcement/cases-and-proceedings/cases/2000/08/matter-toys-r-us-corporation https://www.ftc.gov/sites/default/files/attachments/competition-policy-guidance/statements_of_antitrust_enforcement_policy_in_health_care_august_1996.pdf http://www.usdoj.gov/atr/public/busreview/229887.htm https://www.ftc.gov/os/caselist/0110242.shtm https://www.ftc.gov/os/caselist/0210144.shtm https://www.ftc.gov/enforcement/cases-and-proceedings/cases/2010/01/matter-realcomp-ii-ltd https://www.ftc.gov/sites/default/files/attachments/tying-sale-two-products/ftcvolumedecision115january-december1992pages560-669.pdf https://www.ftc.gov/bc/docs/16cfr240.shtm https://www.ftc.gov/os/caselist/c4032.shtm https://www.ftc.gov/os/caselist/0310097/0310097.shtm https://www.ftc.gov/os/caselist/0510022/0510022.shtm https://www.ftc.gov/os/adjpro/d9300/index.shtm https://www.ftc.gov/os/caselist/0410083/0410083.shtm https://www.ftc.gov/os/caselist/c3832.shtm https://www.ftc.gov/os/caselist/c3911.shtm https://www.ftc.gov/enforcement/cases-proceedings/101-0080b/mcwane-inc-star-pipe-products-ltd-matter https://edit.ftc.gov/os/1996/11/c3693.do.htm https://www.ftc.gov/sites/default/files/attachments/competition-policy-guidance/0558.pdf
CHRISTOPHER MOEHRL Lawsuit	https://www.getreti.com/wp-content/uploads/securepdfs/2019/07/119cv1610-USDC-Northern-Illinois-1.pdf
Data Breach – PROTECTING PERSONAL INFORMATION	https://youtu.be/PkAmNNYyy4Y https://www.ftc.gov/tips-advice/business-center/guidance/protecting-personal-information-guide-business https://www.ftc.gov/tips-advice/business-center/guidance/protecting-personal-information-guide-business https://www.ftc.gov/tips-advice/business-center/privacy-and-security/data-security https://www.ftc.gov/sites/all/libraries/infosecurity/ https://www.ftc.gov/tips-advice/business-center/privacy-and-security/gramm-leach-bliley-act https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-credit-reporting-act http://business.ftc.gov/privacy-and-security Complaint for Civil Penalties, Permanent Injunction, and Other Relief (698.29 KB) Stipulated Motion to Enter Consent Decree and Order for Civil Penalties, Injunction, and Other Relief (60.31 KB) Consent Decree and Order for Civil Penalties, Injunction and Other Relief (1.49 MB) PRESS RELEASE: FTC Charges That Security Flaws in RockYou Game Site Exposed 32 Million Email Addresses and Passwords https://www.ftc.gov/os/2005/06/index.htm#16 https://www.getreti.com/wp-content/uploads/2019/07/092305comp0423160.pdf https://public.commentworks.com/ftc/twitter https://www.ftccomplaintassistant.gov/ https://www.ftc.gov/consumer https://youtu.be/g2QtwwxvNe8 https://www.ftc.gov/enforcement/cases-proceedings/092-3093/twitter-inc-corporation https://www.ftc.gov/enforcement/cases-proceedings/062-3057/guidance-software-inc-matter https://www.ftc.gov/enforcement/cases-proceedings/052-3094/reed-elsevier-inc-seisint-inc-matter https://www.ftc.gov/enforcement/cases-proceedings/092-3093/twitter-inc-corporation https://www.ftc.gov/enforcement/cases-proceedings/052-3136/superior-mortgage-corp-matter Consumer Protection Privacy and Security Data Security https://www.ftc.gov/enforcement/cases-proceedings/072-3111-072-3158/valueclick-inc-hi-speed-media-inc-e-babylon-inc-us https://www.ftc.gov/ftc/complaint.shtm https://www.ftc.gov/bcp/consumer.shtm https://www.ftc.gov/enforcement/cases-proceedings/132-3089/fandango-llc https://www.ftc.gov/enforcement/cases-proceedings/132-3091/credit-karma-inc https://www.ftc.gov/system/files/documents/cases/140328fandangocmpt.pdf https://www.ftc.gov/system/files/documents/cases/140328creditkarmacmpt.pdf https://www.ftc.gov/news-events/press-releases/2014/08/ftc-approves-final-orders-settling-charges-against-fandango https://www.ftc.gov/enforcement/cases-proceedings/052-3096/dsw-incin-matter https://www.ftc.gov/enforcement/cases-proceedings/082-3153/dave-busters-incin-matter https://www.ftc.gov/enforcement/cases-proceedings/052-3148/cardsystems-solutions-inc-solidus-networks-inc-dba-pay-touch https://www.ftc.gov/enforcement/cases-proceedings/0723004/premier-capital-lending-inc-et-al-matter https://www.ftc.gov/enforcement/cases-proceedings/082-3208/settlementone-credit-corporation https://www.ftc.gov/enforcement/cases-proceedings/072-3069-x100023/lifelock-inc-corporation https://www.ftc.gov/enforcement/cases-proceedings/132-3078/snapchat-inc-matter https://www.ftc.gov/enforcement/cases-proceedings/122-3090/trendnet-inc-matter https://www.ftc.gov/enforcement/cases-proceedings/022-3260/guess-inc-guesscom-inc-matter https://www.owasp.org/index.php/Category:OWASP_Top_Ten_Project https://www.ftc.gov/enforcement/cases-proceedings/122-3095/gmr-transcription-services-inc-matter https://www.ftc.gov/enforcement/cases-proceedings/102-3116/upromise-inc https://www.ftc.gov/news-events/press-releases/2015/12/lifelock-pay-100-million-consumers-settle-ftc-charges-it-violated https://www.ftc.gov/enforcement/cases-proceedings/closing-letters/dollar-tree-stores-inc https://www.ftc.gov/enforcement/cases-proceedings/122-3077/accretive-health-inc-matter https://www.ftc.gov/enforcement/cases-proceedings/112-3120/cbr-systems-inc-matter https://www.ftc.gov/enforcement/cases-proceedings/072-3121/rite-aid-corporation-matter https://www.ftc.gov/enforcement/cases-proceedings/072-3119/cvs-caremark-corporation-matter https://www.ftc.gov/enforcement/cases-proceedings/072-3013/goal-financial-llc-matter http://business.ftc.gov/ https://www.ftc.gov/tips-advice/business-center/privacy-and-security/data-security
Securing Wireless Networks and Module Quiz	https://youtu.be/ab0T4_5AeHI http://www.us-cert.gov/ncas/tips/ST17-001 https://www.us-cert.gov/ncas/tips/ST04-017 https://www.us-cert.gov/cas/tips/ST04-002.html https://www.us-cert.gov/cas/tips/ST04-019.html https://www.us-cert.gov/cas/tips/ST04-004.html https://www.us-cert.gov/ncas/tips/ST04-005 https://www.us-cert.gov/cas/tips/ST04-016.html https://www.us-cert.gov/cas/tips/ST04-001.html https://www.us-cert.gov/ncas/tips/ST04-002
The Comprehensive Environmental Response, Compensation, and Liability Act	https://www.epa.gov/laws-regulations/summary-emergency-planning-community-right-know-act https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0201290&msspp=med https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0402072 https://www.epa.gov/superfund/superfund-cercla-overview Protect human health and the environment by cleaning up contaminated sites; Make responsible parties pay for cleanup work; Involve communities in the Superfund process; Return Superfund sites to productive use. https://www.epa.gov/enforcement/waste-chemical-and-cleanup-enforcement https://www.epa.gov/history/epa-history-superfund https://www.epa.gov/superfund/current-npl-updates-new-proposed-npl-sites-and-new-npl-sites https://epa.maps.arcgis.com/apps/webappviewer/index.html?id=33cebcdfdd1b4c3a8b51d416956c41f1 https://www.epa.gov/superfund/proposed-national-priorities-list-npl-sites-state https://www.epa.gov/superfund/final-national-priorities-list-npl-sites-state https://www.epa.gov/superfund/deleted-national-priorities-list-npl-sites-state https://www.epa.gov/superfund/partial-deletions-npl-sites-state https://www.epa.gov/superfund/construction-completions-npl-sites-state https://www.epa.gov/superfund-redevelopment-initiative http://archive.epa.gov/katrina/web/html/ https://www.epa.gov/brownfields/types-brownfields-grant-funding#tab-6 http://www.nber.org/papers/w16844 http://www.sciencedirect.com/science/article/pii/S0095069612001167 https://www.epa.gov/superfund/superfund-program-review https://www.epa.gov/superfund/superfund-success-stories
Superfund in Mississippi	https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0402260 https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0402288 https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0404172 https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0402473 https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0402489 https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0402479 https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0402374 https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0404404 https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0402231 https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0402405 https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0402253 https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0402466 https://www.epa.gov/superfund/forms/contact-us-about-superfund https://usenvironmentalprotectionagency.cmail19.com/t/d-l-pdjiidk-alyjugly-d/ %20region4press@epa.gov https://www.cdfifund.gov/Pages/Opportunity-Zones.aspx https://usenvironmentalprotectionagency.cmail19.com/t/d-l-pdjiidk-alyjugly-y/ https://usenvironmentalprotectionagency.cmail19.com/t/d-l-pdjiidk-alyjugly-j/ https://usenvironmentalprotectionagency.cmail19.com/t/d-l-pdjiidk-alyjugly-t/ https://usenvironmentalprotectionagency.cmail19.com/t/d-l-pdjiidk-alyjugly-i/ https://usenvironmentalprotectionagency.cmail19.com/t/d-l-pdjiidk-alyjugly-d/ https://www.epa.gov/rcra https://cumulis.epa.gov/supercpad/SiteProfiles/index.cfm?fuseaction=second.Stayup&id=0402285 https://www.getreti.com/wp-content/uploads/2019/12/grenada_stamping_fs_v1_1_25_16.pdf https://www.epa.gov/grenadacleanup/epa-cleanup-grenada-manufacturing-llc-facility https://www.epa.gov/grenadacleanup/sampling-results-eastern-heights-grenada-ms https://www.epa.gov/grenadacleanup/sampling-results-grenada-manufacturing-facility https://www.epa.gov/grenadacleanup/environmental-study-grenada-manufacturing-facility https://www.epa.gov/grenadacleanup/june-2015-epa-letter-directing-grenada-manufacturing-llc-write-interim-measures https://www.epa.gov/grenadacleanup/december-30-2015-request-additional-interim-measures-grenada-manufacturing-llc https://www.epa.gov/grenadacleanup/environmental-study-grenada-manufacturing-facility https://www.epa.gov/grenadacleanup/january-29-2016-grenada-manufacturing-llc-response-request-additional-interim https://www.epa.gov/grenadacleanup/sampling-results-eastern-heights-grenada-ms https://www.epa.gov/grenadacleanup/sampling-results-grenada-manufacturing-facility https://www.epa.gov/grenadacleanup/december-30-2015-request-additional-interim-measures-grenada-manufacturing-llc https://www.epa.gov/grenadacleanup/january-29-2016-grenada-manufacturing-llc-response-request-additional-interim https://www.epa.gov/grenadacleanup/march-30-2016-epa-email-grenada-mfg-llc-action-items-and-timeframes https://www.epa.gov/grenadacleanup/epa-memo-data-gaps-environmental-characterization https://www.epa.gov/grenadacleanup/environmental-study-eastern-heights-grenada-ms https://www.epa.gov/grenadacleanup/sampling-results-grenada-manufacturing-facility https://www.epa.gov/grenadacleanup/sampling-results-eastern-heights-grenada-ms https://www.epa.gov/grenadacleanup holtzclaw.brian@epa.gov https://www.epa.gov/enforcement/rcra-corrective-action-cleanup-enforcement https://www.epa.gov/grenadacleanup/grenada-2010-hazardous-and-solid-waste-amendments-hswa-permit-signed http://www.deq.state.ms.us/MDEQ.nsf/page/CE_GrenadaManufacturingLLC?OpenDocument https://www.epa.gov/newsreleases/epa-releases-list-superfund-sites-targeted-immediate-intense-attention https://www.epa.gov/newsreleases/administrator-pruitt-updates-list-superfund-sites-targeted-immediate-intense-action https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0403508 http://www.epa.gov/superfund/superfund-task-force https://semspub.epa.gov/work/04/11095404.pdf https://youtu.be/ItMKjHdMKX8
Mold	https://www.getreti.com/wp-content/uploads/2019/12/moldguide12.pdf https://www.epa.gov/indoor-air-quality-iaq https://www.epa.gov/sites/production/files/2017-08/documents/flood_cleanup_and_the_air_in_your_home_booklet_0.pdf https://www.epa.gov/mold https://www.epa.gov/mold/brief-guide-mold-moisture-and-your-home https://espanol.epa.gov/cai/una-breve-guia-para-el-moho-la-humedad-y-su-hogar https://espanol.epa.gov/cai/diez-cosas-que-debe-saber-acerca-del-moho http://www.cdc.gov/mold/ https://www.epa.gov/asthma
Radon	https://youtu.be/-S8vr27plZs https://www.epa.gov/sites/production/files/2016-02/documents/2013_consumers_guide_to_radon_reduction.pdf http://www.fixradon.com/publications/HUD_radon_fact_sheet.pdf
Lead Based Paint	http://www2.epa.gov/lead/learn-about-lead#lead
Flint Drinking Water Crisis	http://www.michigan.gov/flintwater https://www.npr.org/sections/thetwo-way/2016/04/20/465545378/lead-laced-water-in-flint-a-step-by-step-look-at-the-makings-of-a-crisis https://www.history.com/topics/us-states/michigan https://www.cnn.com/2016/03/04/us/flint-water-crisis-fast-facts/index.html https://www.census.gov/quickfacts/fact/table/flintcitymichigan/PST045217 http://michiganradio.org/post/leaked-internal-memo-shows-federal-regulator-s-concerns-about-lead-flint-s-water http://time.com/4634937/flint-water-crisis-criminal-charges-bottled-water/ https://www.michigan.gov/egle/0,9429,7-135-3308_3323-508967–,00.html https://www.michigan.gov/documents/snyder/18-DEQF-0133-CLEARResultsGraphic-003-LR_619901_7.PDF https://www.michigan.gov/documents/snyder/18-DEQF-0121_LeadLevels_Infographic_UPDATES-001-LR_619900_7.PDF https://www.michigan.gov/documents/snyder/18-DEQF-0130_WaterFAQ-004-LR_619902_7.PDF https://en.wikipedia.org/wiki/Flint_water_crisis How lead gets into drinking water Health effects of being exposed to lead in drinking water Can I shower in lead-contaminated water? Find out if lead is in your drinking water Important steps you can take to reduce lead in drinking water Get your child tested to determine lead levels in his or her blood Find out if lead in drinking water is an issue in your child’s school or child care facility EPA’s drinking water regulations for lead Recent actions and revisions How EPA requires states and public water systems to protect drinking water Learn more about the maximum allowable content of lead in pipes, solder, fittings and fixtures Learn more about EPA’s regulations to prevent lead in drinking water Learn how to identify lead-free certification marks on drinking water system and plumbing products (PDF) https://www.epa.gov/dwreginfo/lead-and-copper-rule https://www.epa.gov/ground-water-and-drinking-water/basic-information-about-lead-drinking-water#regs https://www.epa.gov/lead/learn-about-lead https://www.epa.gov/ccr http://www.cdc.gov/nceh/lead/tips/water.htm http://nepis.epa.gov/Exe/ZyPDF.cgi?Dockey=500025PW.txt https://www.epa.gov/privatewells https://www.epa.gov/dwreginfo/public-notification-rule https://www.epa.gov/lead/protect-your-family-exposures-lead#testdw https://www.epa.gov/your-drinking-water/home-drinking-water-testing-fact-sheet https://www.epa.gov/sites/production/files/2017-08/documents/epa_lead_in_drinking_water_final_8.21.17.pdf Fact sheet: How to Identify Lead-Free Certification Marks for Drinking Water System & Plumbing Products (PDF) Factsheet: A Consumer Tool for Identifying Point of Use (POU) Drinking Water Filters Certified to Reduce Lead (PDF) How to make your home lead-safe What you can do to protect your drinking water https://www.epa.gov/dwreginfo/testing-schools-and-child-care-centers-lead-drinking-water https://www.epa.gov/dwreginfo/drinking-water-schools-and-child-care-facilities https://www.epa.gov/ground-water-and-drinking-water/basic-information-about-lead-drinking-water#self Find your local Consumer Confidence Report Information about CCRs for consumers EPA’s CCR home page https://www.epa.gov/dwreginfo/public-notification-rule Webinar: Strategic Plan for Targeted Outreach to Populations Affected by Lead (March 2017) Long-Term Revisions to the Lead and Copper Rule — regulatory options to improve the existing rule Memorandum: Implementation of the Lead and Copper Rule Provisions Related to Sample Site Selection and Triennial Monitoring (October 2016) Document: Optimal Corrosion Control Treatment Evaluation Technical Recommendations (March 2016) Memorandum: Clarifying Recommended Tap Sampling Procedures for the Lead and Copper Rule (February 2016) EPA Letters to Governors and State Environment and Public Health Commissioners (2016) https://www.epa.gov/dwregdev/how-epa-regulates-drinking-water-contaminants About Lead in Drinking Water Prevention Tips for Lead in Water CDC main page on lead http://www.atsdr.cdc.gov/phs/phs.asp?id=92&tid=22 http://www.atsdr.cdc.gov/substances/toxsubstance.asp?toxid=22
Renovation and Demolition Requirements / Asbestos	http://www2.epa.gov/asbestos
Lending Process: Application Through Closing	https://www.fha.com/define/loan-officer https://www.fha.com/define/annual-income https://www.fha.com/define/origination-fee https://www.fha.com/define/discount-points https://www.fha.com/define/good-faith-estimate https://www.fha.com/define/hud https://www.fha.com/define/hud-1-settlement-statement https://www.fha.com/define/closing-disclosure
Types of Loans	https://entp.hud.gov/idapp/html/hicostlook.cfm https://www.benefits.va.gov/HOMELOANS/purchaseco_certificate.asp https://www.benefits.va.gov/HOMELOANS/nadl.asp VA Home Loan Fact Sheet How VA Helps Summary of VA Home Loan Guaranty Benefits Top 5 Benefits of the VA Home Loan Program https://www.fsa.usda.gov/state-offices/index https://www.fsa.usda.gov/programs-and-services/farm-loan-programs/funding/index
Property Condition Disclosure Law	https://www.ahs.com/home-warranty/
Stambovsky v. Ackley	https://en.wikipedia.org/wiki/Case_citation https://en.wikipedia.org/wiki/New_York_Supreme_Court,_Appellate_Division https://en.wikipedia.org/wiki/Reader%27s_Digest https://en.wikipedia.org/wiki/Damages https://en.wikipedia.org/wiki/Fraud https://en.wikipedia.org/wiki/Closing_(real_estate) https://en.wikipedia.org/wiki/New_York_Supreme_Court https://en.wikipedia.org/wiki/Caveat_emptor https://en.wikipedia.org/wiki/William_Shakespeare https://en.wikipedia.org/wiki/William_Shakespeare https://en.wikipedia.org/wiki/Dissenting_opinion https://en.wikipedia.org/wiki/Caveat_emptor https://en.wikipedia.org/wiki/Hudson_River https://en.wikipedia.org/wiki/Kreskin

Internet connection (DSL, LAN, or cable connection desirable)

A new computer is not necessary to attend this class.

However, we do recommend a general comfort level with computers and the internet.

Requirements for computers.

OS: Windows 7 and newer

Browser:

Firefox 61 and after (extended releases not supported)

Chrome 68 and after

Note: Internet Explorer and Edge are not recommended, and Safari for Windows is not supported

MAC

OS: Mac OSX 10.6 and newer

Browser:

Firefox 61 and after (extended releases not supported)

Chrome 68 and after

Safari 10 and after

Note: Internet Explorer and Edge are not supported for Mac

Note: Linux Chrome OS is also supported.

Mobile Devices

Students may use a mobile device such as a phone or tablet as a means of access.

Course Participation

There are three checkpoints within this course, at which time learners will describe the course experience.

Course Structure

This course is in online format. There are ten Modules to be completed. The course completes the thirty mandatory hours for the Salesperson Post Lcense statute.

Part 2: Student Learning Outcomes

MODULE ONE: CONTRACTS

Introduction to Contracts

Real Estate Market Contracts

Once you have completed this chapter, you should be able to:

describe at least three requirements for listing agreements;
discuss the types of listings
discuss the differences of void, voidable and valid
discuss common real estate contracts
explain deeds
describe the differences between a tenancy by the entireties, a joint tenancy and a tenancy in common
describe the types of leasehold contracts
explain the types of easements
describe the effects of the Johnson v. Davis Supreme Court ruling on real estate practice in Mississippi

Statutes of Limitations and Breach of Contract