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If you are looking for a suitable online broker, their due regulation and protection of your deposits always number amongst the key requirements.
In addition to this, the company is also a member of the Investor Compensation Scheme ICS , which will compensate clients should it go insolvent.
Funds deposited by clients are furthermore also kept in segregated accounts , in accordance with the MFSA requirements. This means that they will not be at risk if the company goes insolvent, because they are held separately from its own assets at correspondingly authorized banks.
This is where we get to the actual service contents of the online broker. Which primarily also includes the range of tradable assets provided to GKFX clients to choose from.
Interested investors and traders can use the provider to trade currencies, cryptocurrencies, so-called bunds, shares, indices, and commodities in the form of CFDs.
The range available for forex trading at GKFX embraces over 40 currency pairs , with low spreads starting from as little as 0.
For a more detailed overview of all tradable stock CFDs, the online broker supplies a list of all assets and conditions on its website.
Index CFD trading enables them to benefit from rising as well as falling prices. Finally the provider also affords the option of trading in commodities.
Besides crude oil , GKFX will also let you trade precious metals such as gold , silver and copper from as little as 0. There are three basic options here: Standard, Premium and Corporate.
Depending on your individual requirements, you should also go for a corresponding account type that suits your trading style best.
Let us start with the services available to clients in a Standard account. To keep this manageable, they are briefly listed in a corresponding table below.
The third option available is the Corporate account , which is particularly recommended for institutional clients. The services in this account comprise the following:.
Another aspect that always has an important role to play for selecting a suitable online broker are the trading platforms on offer there.
GKFX meanwhile keeps its selection of trading platforms rather manageable. Which basically means that you will always be trading with the MetaTrader 4 platform as a client of this provider.
The company, backed by 13 industry-leading firms and carrier partners throughout the U. S- is dedicated to fostering innovation in the insurance space by providing early-stage Insurtech companies the support to develop tech solutions for the industry.
There were executives from every insurance company out there, and as a former broker myself know something special is happening to the broker industry.
The deadline for BrokerTech Ventures Accelerator submissions is November 30, , and selected startups will be notified of acceptance in early February The law of agency will inevitably require that the agent educate the client about material facts and about the art of negotiating to ensure a strong negotiating position.
The idea that an agent can avoid discovery for fear that discovering facts will increase the burden of disclosure, and increase the agent's obligation to educate the client is not correct.
The duty of agency requires discovery; and the duty of disclosure requires that the agent educate the client about all known facts; or all facts the agent should have discovered.
Like all businesses, brokerages need income and cash flow. Many people believe brokerages encounter financial problems only when interest rates rise or when there is increased competition.
This is not the case. Brokerages are not profit centers. A brokerage is nothing more than a funnel--the medium through which commissions are paid to the salespersons and brokers affiliated with the brokerage.
A brokerage that is poorly run will encounter financial difficulty even in the friendliest real estate climate. To say that the broker should take advantage of all products designed to promote real estate sales is not correct.
A brokerage should use such products only after the brokerage has evaluated its financial position, and planned for the advertising costs.
A person authorized by his principal to execute a particular deed, or to sign a particular contract, or to procure a purchaser for certain real estate, is a special agent.
Listing agents are special agents. If an agent has several listings with one seller, that agent is a special agent several times. Several listings with one client do not constitute a general agency.
Specific agency or special agency means that a licensee may act on a principal's behalf only in limited ways for a limited time; generally for only one transaction.
General agency is an agency whereby the agent is given authorization to act as agent for a range of activities. Universal agency is unlimited rights to act on the principal's behalf.
A limited power of attorney grants authority to act on the principal's behalf, but limits the authorization to only those acts that are named.
A properly executed POA authorizes an agent called an attorney-in-fact to act in place of the principal. An attorney-in-fact owes fiduciary duties e.
Here, the principal is the wealthy investor and the attorney-in-fact is the trusted friend. Note: An attorney-in-fact does not need to be an attorney.
A is incorrect. A listing agreement is a contract between a licensee and the seller of a parcel of real estate. This agreement authorizes the licensee to act on behalf of the seller to sell the property.
The wealthy investor would have entered into a listing agreement with the brokerage firm. Test-Taking Tip: Note the difference between what an agent can do under a listing agreement and what an attorney-in-fact can do under a POA.
The agent under a listing agreement acts "on behalf" of the seller to sell the property, and the agent does that in expectation of a commission or fee.
Listing Agent activities might include things like marketing the property, staging the property, and soliciting offers for the property.
However, the agent's authority would not typically include an activity like accepting an offer for the property and binding the principal.
In contrast, an attorney-in-fact acts "in place" of the principal, and rarely expects any type of compensation or fee. So, provided the POA authorizes the activity, the attorney-in-fact could accept an offer, bind the principal, and sign all the documents related to the transfer of the property.
B is incorrect. A Purchase and Sale Agreement is the contract the seller would enter into with a buyer for the purchase of the property.
D is incorrect. The judge appoints--and monitors--a person selected to act on behalf of the incompetent individual.
An enforceable contract is a voluntary agreement between competent parties to do something legal. Any party bringing an action for breach of contract must provide evidence that an offer was made, that it was accepted and that both parties offered consideration.
The terms "mutuality", or "mutual consent" are synonymous with offer and acceptance. Although signatures are required on all contracts for the sale and purchase of real estate according to the statute of frauds, they are not required on all real estate contracts.
An exception to the statute of frauds requirement is leases for a period of one year or less. If the scope of authority of a real estate broker is limited to just producing a buyer, the broker does not have the authority to collect an earnest deposit on behalf of the seller.
When an agent does collect a deposit in this case, the agent is acting as agent for the buyer offeror and not the seller. A deed is personal property, even though it is proof of ownership of real property.
Personal property is movable property. Since a deed is movable, it is considered personal property. Study Online Instantly.
Severance is the act of removing or cutting off a part of the real property that is attached to the land. Since the lender is foreclosing on the real property, and the fixtures are considered real property, the lender is entitled to receive the home with all of the fixtures intact.
Removal of the fixtures from the home in the manner described in the scenario is a tort violation against the lender, and is subject to civil action, although in most cases it is not financially prudent for the lender to pursue such action because the litigation costs can be greater than the lenders financial loss from the damages.
A waterfront owner does not own the water, and does not own the land under the water. The landowner simply owns a right to access to the water.
In states where water is scarce, a form of prior appropriation applies. Also known as first in time is first in right, the doctrine grants water rights to divert a specific amount of water from a specific source to irrigate a specific piece of property.
Those rights are then assigned a priority based on when the right was first used or applied for. In periods of peak demand, the person or entity whose claim is the oldest is given the first right to the water.
Although the living arrangements and the structure of the buildings might look similar, the only thing a lessee of an apartment and the owner of a condominium have in common is that they each have an estate in real property.
A condo owner has a fee interest which is a freehold estate. The lessee has a less-than-freehold estate. Depending on how the condo owner holds title, his estate might also be an estate of inheritance.
Estates that can be "defeated" are called fee simple defeasible estates. Evan and Camelia's agent acted correctly when she warned them about the consequences of non-compliance before they signed the contract.
Severalty ownership is ownership by a single person. There is only one person or entity's name on the deed. There is no right of survivorship with a severalty ownership, because a person with right of survivorship must be named on the deed.
For a survivor of a severalty owner to obtain title upon the death of the severalty owner, the severalty owner must devise the property to the survivor in a will.
A conveyance to two or more persons is presumed to create a tenancy in common unless a contrary intention is shown.
The prospective purchase of the property by a person related to the licensee by blood or marriage must be disclosed to all parties to the transaction.
In this case, the listing broker and the listing salesperson are not parties to the lease option transaction. Failure to make this disclosure would be considered a violation of the agent's duty to disclose all material facts.
Abatement of a nuisance means the elimination, whether by the party injured, or through suit instituted by him, of that which endangers life or health, or interferes with the use and enjoyment of the property.
The law allows an injured party to remove or destroy the nuisance personally, providing he does so without unnecessary destruction or breach of the peace.
Although abatement must be done in an environmentally friendly manner, no special court order is necessary before abatement can ensue.
Appendix E — Valid Entry Numbers. Appendix G — Common Errors. Appendix H — Census Warning Messages.
Appendix L — Drawback Errors. Glossary of Terms. For more information on reference material see our Curriculum page.
Our 23 course lesson plan emulates a college classroom. We added more information to reflect the recent changes in the law. At the conclusion of each lesson plan, previous exam questions are used as homework and the instructor reviews the answers at the beginning of the following DVD.
Our students receive Members Only privileges for one semester. We made it easier to navigate and added more information. Key focus is on all major areas of the Exam where questions are derived.