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U-Boot im Focus

For years enthusiasts bemoaned the absence of a specialized publication about German submarines in the Second World War, and in 2007 our publishing company began such a series, titled U-Boot im Focus.

With the support of archives, private collectors and well-known experts in the field, the series is issued three times per year. Most of the photos that illustrate each edition have never before been published, and they are supplemented by informative captions and well-researched articles on all aspects of U-boat operations. The focus of our articles is on lesser-known facts and events. Each edition therefore offers the reader exclusive reading material and unique illustrations. The illustrations are of generous size and the highest quality, printed on glossy paper.

Each edition contains 50 pages, with about 60 photos including several in colour, plus 2 to 3 colour side-views and drawings of conning towers.

Archive of previOUs Editions

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Single issues can be ordered below. For a 3-magazine subscription click here!

Real Estate Agents vs. Brokers vs. Realtors: What’s the Difference?

Despite some overlap, the three pros play distinct roles

Real Estate Agents vs. Brokers vs. Realtors: An Overview

There are many different people who work within the real estate industry including agents, appraisers, inspectors, and salespeople. But sometimes the lines between the roles of these individuals may get a little blurred.

What Are The Differences Among A Real Estate Agent, A Broker And A Realtor?

In particular, most people confuse the terms real estate agent, broker, and realtor—and use them interchangeably. While there may be overlaps in what they do, the three are distinctly different, especially when it comes to their qualifications and where they sit on the professional ladder.

Key Takeaways

  • Real estate agents are licensed to facilitate real estate transactions, are paid commissions for their sales, and work for brokerages.
  • Brokers are more experienced and qualified and can work as independent agents or have other agents work for them.
  • Realtors are part of the National Association of Realtors, a trade organization, and can hold any position within the real estate industry.

In a nutshell: A real estate agent is an industry professional who serves as the facilitator of real estate transactions. They are ultimately responsible for bringing buyers and sellers together and are paid a commission—a percentage of the property’s sale price. A broker, on the other hand, owns a brokerage and employs real estate agents. A broker generally has more training than an agent and handles some of the more technical parts of a transaction. Finally, a realtor is a member of the realtors‘ association. This category includes agents, brokers, salespeople, appraisers, and other real estate professionals. Realtors are bound by a code of ethics and must be experts in their fields.

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Now that you know the basic differences, read on to find out what each professional does, their qualifications, and their place in the real estate industry.

Real Estate Agents

A real estate agent is an industry professional who takes and passes all required real estate classes, along with the real estate licensing exam in the state in which he or she intends to work. As the starting point for most of those going into the real estate field, it is the most encompassing of the titles. Agents are also referred to as real estate associates.

The agent can represent both buyers and sellers involved in a real estate transaction. A buyer’s agent will ask for a wish-list for their dream home and try to match it to any available inventory. An agent who represents a seller will actively market the property and try to solicit buyers.

Responsibilities

Agents are responsible for carrying offers and counter-offers between each party, along with any queries they may have. An agent will work with another agent once an offer is accepted, guiding clients through the process of filling in paperwork. They also make sure their clients are fully aware of any requirements to complete the sale including inspections, moving, and important dates such as the closing.

How Agents are Paid

Real estate agents work for brokers or agencies and are normally paid on a commission basis. This means they receive a percentage of the sale price of a property. So that means the higher the sale price, the higher the commission.

Real Estate Brokers

A real estate broker is someone who continues his or her education past the real-estate-agent level and successfully receives a state real estate broker license exam.

Real estate brokers can work as independent agents or have other agents working for them. Agents who pass the broker exam, but choose to work under another broker, are typically called real estate associate brokers. Associate brokers may share in the brokerage profits above and beyond the typical agent commission.

Responsibilities

Brokers who work with buyers normally look for properties that match the criteria set forth by their clients, conduct negotiations, prepare offers, and help the buyers with any other issues leading up to the closing date. Sellers‘ brokers, on the other hand, determine market values of their clients‘ properties, list and show properties, communicate with sellers about offers, and assist in the offer process.

How Brokers are Paid

Like real estate agents, brokers receive a commission once a sale is completed. Thie amount is listed in the contract between the broker, and the buyer or seller. The listing agreement or contract generally outlines how much of a percentage of the sale will go to the broker.

Realtors

A realtor is a real estate professional who is a member of the National Association of Realtors (NAR)s. To become a member, a real estate professional has to agree to abide by the association’s standards and uphold its code of ethics. 

Although the word „realtor“ is commonly confused with that of „real estate agent“ the designation is open to a variety of professions within the real estate industry, including:

  • Residential and commercial real estate brokers
  • Salespeople
  • Property managers
  • Appraisers

As of April 2020, the association recorded more than 1.3 million members across the country, 68% of whom were licensed sales agents.     Another 20% of these were brokers, and 14% held broker associate licenses.   Anyone who is part of the association is licensed to use the realtor trademark as part of their name. It cannot, however, be used as a designation of the professional’s license status.

Bound by a code of ethics, realtors promise to be transparent and honest and to uphold their clients‘ best interests in all transactions.

Realtors, regardless of their role, should be experts in their field and, as noted above, are bound by the association’s code of ethics. Realtors should be honest and transparent with their clients, avoid exaggeration and misrepresentation. They should also conduct their business with the best interests of their clients in mind.

Special Considerations

Perhaps the biggest distinction among the three is that a broker can work independently, while an agent has to work under a licensed broker. So when you work with an agent to buy or sell your home, you’re actually working someone who is employed by a real estate brokerage agency. In effect, you’re hiring the agency to help you through the process, with the agent acting as the firm’s representative.

Licensing

Every real estate professional is subject to regulations. Real estate agents and brokers in the United States are licensed by each state, not by the federal government. Each state has its own laws defining the types of relationships that can exist between clients and brokers, and the duties of brokers to clients and members of the public.

Broker tips: Micro Focus, Domino’s Pizza, Pets At Home

No recommendation

No news or research item is a personal recommendation to deal. Hargreaves Lansdown may not share ShareCast’s (powered by Digital Look) views.

(Sharecast News) – Citi slashed its price target on shares of software company Micro Focus to 680p from 1,000p on Monday, as it highlighted ongoing risks to execution.

The bank, which kept its ’sell‘ rating on the stock, noted the shares have fallen around 20% since the FY19 results and around 60% since April 2020, as its negative thesis based around risk of potential reset of the company’s financial targets and consensus expectations and likely balance sheet challenges amid contracting profit and loss continued to play out.

„Additionally, the awaited outcome of ’strategic review‘ was underwhelming, in our view,“ it said.

„We still see the mid-to-long term risk-reward skewed to the downside with persistent execution challenges and concerns around lack of definitive steps/low confidence in execution plan, outweighing the seemingly supportive valuation.“

In its preliminary results earlier in February, Micro Focus reported a decline in full-year profit and sales and announced the departure of its chairman, following what it referred to as a „challenging“ year.

Analysts at RBC Capital reiterated their ‚outperform‘ recommendation and 350.0p target price on shares of Domino’s Pizza Group, highlighting the fact that it was their only outperform-rated stock in the UK pubs and restaurants space.

The sale of its international businesses in the first half of 2020 would put paid to a year in 2020 that was best forgotten, the analysts said.

Yet while the company’s strategy to diversify geographically had destroyed roughly €75m in shareholder value, its ability to grow and maintain profitability despite a dispute with franchisees, rising costs, and heightened competition from consolidators underlined the strength of its business model, they explained.

Life-for-like sales were 3.9% higher in the fourth quarter excluding splits with profits in the UK and Republic of Ireland coming in at €102-104m, against €101m in 2020.

Furthermore, the franchisees appeared to have limited power in their dispute and sterling strength would help offset part of the hit from the hike in the National Living Wage, as many of its raw materials were sourced in Europe.

Over at Berenberg, analysts hiked their target price on animal products retailer Pets At Home from 210p to 300p on Monday, noting the group’s new management team had transformed both the company’s fortunes and investor perceptions.

Berenberg said it was „increasingly confident“ that Pets At Home will be able to „outperform current consensus expectations“ but did state that its sum of the parts evaluation did suggest that potential was already priced in, to a significant degree.

„As a result, although we are positive about the outlook for Pets, we maintain our ‚hold‘ rating,“ said Berenberg.

The German bank pointed out that PAH’s retail united appeared „rejuvenated“, with like-for-like sales growth of more than 7% in the first three quarters of 2020.

However, with consensus numbers forecasting like-for-like sales growth normalising to only 3% from 2021 onwards, Berenberg thinks that figure could prove to be „overly conservative“ given current momentum and the potential for a wave of store refurbishments that could drive „another leg of strong LFL growth“.

Berenberg also praised Pets for cleaning up its veterinary division, with the business itself now performing „exceptionally well“.

The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website is not personal advice based on your circumstances. So you can make informed decisions for yourself we aim to provide you with the best information, best service and best prices. If you are unsure about the suitability of an investment please contact us for advice.

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