How to be the real you

everything about real estate

How do you build a real estate empire?

6 Ways to Build Your Real Estate Empire Faster

  1. Invest using a Self Directed IRA LLC.
  2. Buy a lot of properties. You can’t just focus on one property. …
  3. Buy homes in areas with a history of high appreciation or with huge potential for appreciation. …
  4. Force appreciation. …
  5. Go big and trade up. …
  6. Get the best deals you possibly can.

How can I get rich from real estate?

The simplest answer to “How to get rich in real estate?” is the buy and hold investment strategy. This investing strategy is very simple; you purchase an investment property, and you just hold ownership over it for a period of time until it appreciates in value, and then you can sell it for a profit.

Is real estate the best way to become a millionaire?

If you want to become a millionaire with real estate, you’ll have to buy more properties, and buy properties with multiple units. … Residential real estate is the easiest and most affordable way to start, but becoming a millionaire will take more cash flow than what rental properties can generate.

How can I invest in real estate with no experience?

6 Ways to Invest in Real Estate with Little Money or Experience

  1. House hack. House hacking is this really awesome strategy where you purchase a small duplex, triplex, or fourplex, live in one unit, and rent the other units out. …
  2. Try home equity loans/lines. …
  3. Use seller financing. …
  4. Look into partnerships. …
  5. Explore hard money lenders. …
  6. Get an incredible deal.

Who is the richest real estate developer?

How can I be a millionaire?

Here are eight ways to become a millionaire.

  1. Develop Your Career and Expertise. Mint Images/Getty Images. …
  2. Save Diligently and Invest for Growth. Sean Russell/Getty Images. …
  3. Create Intellectual Property. …
  4. Build a Business. …
  5. Invest in Real Estate. …
  6. Hire a Financial Adviser. …
  7. Make Smart Investments. …
  8. Create a Financial Plan.

How can I get rich in 5 years?

How to Become Wealthy in 5 Years

  1. Become Financially Educated.
  2. Find a Wealthy Mentor.
  3. Take Control of Your Finances.
  4. Save With the Intent to Invest.
  5. Network With The Rich & Wealthy.
  6. Multiple Sources of Income.
  7. Learn Faster.
  8. Take Care of Your Health.

How do most millionaires get rich?

The study also revealed that self-made millionaires’ top sources of assets were investments/capital appreciation, compensation and employee stock options/profit sharing. Those who were born wealthy were more likely to cite inheritance, entrepreneurship and real estate investment appreciation as asset sources.

Can property make you rich?

Property in its myriad shapes and forms certainly offers those with the can do spirit and appetite real opportunities to make a lot of money Andrew Carnegie said: “Ninety percent of all millionaires become so through owning real estate.

How can I make passive income?

The 19 best ways to generate passive income in 2019

  1. Passive Real Estate Investing. …
  2. Open a High-Interest Savings Account. …
  3. Invest in Dividend Stocks. …
  4. Earn Passive Income with Lending Club. …
  5. Put Your Real Estate to Work. …
  6. Renting Your Car. …
  7. Refer Friends to Great Products You Already Use. …
  8. Try Affiliate Marketing.

How to be the real you

“Waking up to who you are requires letting go of who you imagine yourself to be.”

I’ve heard the statement “just be yourself” so much. It sounds like an amazing thing to do, and I have wished many times that I could just do that. What I’ve wondered, though, is what in the world does that mean?

What if someone is a jerk to other people? Is it okay for them to just be themselves and go on being a jerk to everyone? How about people who are fearful of being around others and live a hermit-like life, avoiding people?

In my quest for answers I’ve found that it is very much possible to just be yourself. The person who is a jerk to others and the person who is afraid of social situations are, in actuality, not being themselves. Their real self is just being covered up with conditioned, fear-based thinking.

Our true self is who we really are when we let go of all of the stories, labels, and judgments that we have placed upon ourselves. It is who we naturally are without the masks and pretentiousness.

It is who we really are when we let fall to the floor the cloak of other people’s stuff that we have taken on.

Everything else that we claim to be when we say, “This is who I am!” is only a story.

Below are some steps that have helped me in uncovering my real nature, which is that being outside of the accumulated thoughts and beliefs that I have collected over a lifetime.

1. Get in touch with your inner child.

If you ever watch small children, you will notice just how free they are and how little they care about what other people think of them. They are happy and in the moment.

They are their true natures. They have not yet been socialized to “fit in” to a society that squashes that. They don’t care if people think that they are silly while they dance in the front yard for all of the neighbors to see.

Children are just pure love and light. If you really want to get in touch with your inner child, become freer. Play, have fun, enjoy the moment, do cartwheels in the front yard.

My son has taught me this more than anything. He has helped me to see just how stiff and serious I can be. Thanks to him, I have tapped back into something that was forgotten.

We play roles to fit into society and we suppress our true nature out of fear of what others think. If you find yourself worrying about being judged, remember that is merely just the socialized you, not the real you.

2. Become more aware of your thoughts.

You may be shocked by the number of negative thoughts that run through your mind on any given day. After so long, our reality begins to take shape based on all of these conditioned thinking patterns.

Become more aware of the quality of your thinking. Allow yourself to sit quietly every morning before starting your day for just five to ten minutes.

Yes, thoughts will come and go, but just allow them to do that without getting attached to them. Just observe them. When you are finished, continue observing the mind throughout your day.

We have so many unconscious beliefs that we have taken on over the years that were probably handed down to us from somebody else, and that we believed to be who we are. Becoming more aware of the quality of your thoughts, letting go of the old beliefs, and becoming more present can help in revealing your true nature.

We are all so much more than those old negative thinking patterns would ever allow us to believe.

3. Follow your intuition.

This is probably one of the most important factors in being yourself. I ignored my intuition for the longest time because I felt so obligated to others. Their happiness was more important than my own.

I lived at home until I was twenty-five, ignored my urges to move to a new city, and stayed in unfulfilling jobs because I was so afraid of what other people would think of me, of failing, and of stepping out of my comfort zone. Because of this, I was incredibly unhappy.

I will tell you this, from my own personal experience: When you start following the little nudges and urges that you get, you will have hopped onto the magic carpet ride of awesomeness.

It doesn’t mean that you will never have bumps in the road again, but when you are in alignment with your soul, you will always be steered in the best possible direction.

For me, it started when I followed my intuition out of a job where I was miserable, which was way out of character for me. I had nothing lined up, but thanks to my intuition, I landed back on my feet within a few months in an awesome new job.

Now, before you go quit your job, you can begin with small things, such as following through when you feel the urge to make a phone call, send an email, or take a different route to work. When you get into the habit of doing this with small things, it will make it easier to say yes to the big things, and to trust.

How do any of these things help you to just be yourself? Because they help you to be in alignment with your true nature.

Your authentic self is the real you that is beyond all of those conditioned beliefs and thinking patterns that you have accumulated throughout your life.

I was once a shy, reclusive, depressed, angry person—but I wasn’t “being myself.” While it is important to love and accept ourselves for where we are at the moment, looking back now, I see that I suppressed my true nature in order to please others and to fit in.

I began going within and doing spiritual study and practice in my late twenties, and have since become more aware of how much I was identified with my victim story, how I would play roles depending on who I was with, and just how much I cared about other people’s perceptions of me.

I had lost touch with my natural self and stuffed it away in a box. Whenever I would notice myself getting attached to the stories and labels in my head or would catch myself playing roles with others, I would just breathe and relax into the moment without any labels or judgments.

It was a challenge because I cared so much about being accepted by others. So I would ask myself, “How would I act right now if I had no cares of what others thought of me?” I realized that who I naturally am without anything else added is perfectly okay.

When you let go of the old ways of thinking, follow your bliss, and do what you love, you begin to align with happiness and peace. These are all indicators that you are connected with your true nature. You are then allowing your real self to shine forth in all its glory.

Critically Appraising Information

When Alice scrolls through her social media feed, she’s stopped in her tracks by the news that her company is about to be bought out by its biggest rival. She quickly posts a response, shares the story with her contacts, and emails it to her team so that they can discuss it later.

But then Alice has a troubling thought. What if the story wasn’t true? What if she just shared a “fake news” story? After all, she didn’t check the source.

If she has been a victim of fake news, and then added to the rumor mill herself, how will people ever trust her again?

Fortunately, there’s lots you can do to avoid making the same mistake as Alice. In this article and video, we explore how you can separate fake news from the truth.

Don’t be fooled by fake news stories!

What Is Fake News?

There are two kinds of fake news:

Stories that aren’t true. These are entirely invented stories designed to make people believe something false, to buy a certain product, or to visit a certain website.

Stories that have some truth, but aren’t 100 percent accurate. For example, a journalist quotes only part of what a politician says, giving a false impression of their meaning. Again, this can be deliberate, to convince readers of a certain viewpoint, or it can be the result of an innocent mistake. Either way, it quickly attracts an audience and can become entrenched as an “urban myth.”

To confuse matters further, there are also people who claim that factually accurate stories are fake news, just because they don’t agree with them or find them uncomfortable.

Where Does Fake News Come From?

Fake news is nothing new. But, what is new is how easy it’s become to share information – both true and false – on a massive scale.

Social media platforms allow almost anyone to publish their thoughts or share stories to the world. The trouble is, most people don’t check the source of the material that they view online before they share it, which can lead to fake news spreading quickly or even “going viral.”

At the same time, it’s become harder to identify the original source of news stories, which can make it difficult to assess their accuracy.

This has led to a flood of fake news. In fact, one study found that more than 25 percent of Americans visited a fake news website in a six-week period during the 2016 U.S. presidential election.

But, not all fake news stories are found online. Co-workers who gossip by the water cooler or while browsing print publications that fail to check their facts, for example, are also guilty of spreading misinformation, even if inadvertently.

The Impact of Fake News in the Workplace

Research shows that 59 percent of people are concerned about the effect that fake news has in the workplace, and with good reason!

For example, some people might start to believe that they no longer need evidence to back up their arguments. Others start to mistrust information all together. They stop listening to industry reports, and disengage from official workplace communication, slowing their professional growth and development. Ultimately, this can damage an organization’s learning culture.

Fake news can affect behavior, too. It encourages people to invent excuses, to dismiss others’ ideas, to exaggerate the truth, and to spread rumors. This can create divided, anxious workplaces where people are cynical and unsure of who to trust.

They might even begin to mistrust you if they believe that authority figures have lied to them, or that the information that they are working with is suspect. This can sap people of the curiosity, enthusiasm and ambition that they need to collaborate and to be successful.

Misinformation and fake news can also harm your business. Invented reviews of your products or inaccurate financial updates, for example, can do serious reputational damage .

Six Ways to Spot Fake News

Separating fact from fiction accurately can seem daunting. But getting to the truth is always worth the effort – even if it’s not what you want to hear! Use these six steps to weed out the truth from the lies:

1. Develop a Critical Mindset

One of the main reasons fake news is such a big issue is that it is often believable, so it’s easy to get caught out. Much fake news is also written to create “shock value,” that is, a strong instinctive reaction such as fear or anger.

This means it’s essential that you keep your emotional response to such stories in check. Instead, approach what you see and hear rationally and critically .

Ask yourself, “Why has this story been written? Is it to persuade me of a certain viewpoint? Is it selling me a particular product? Or is it trying to get me to click through to another website? Am I being triggered?”

2. Check the Source

If you come across a story from a source that you’ve never heard of before, do some digging!

Check the web address for the page you’re reading. Spelling errors in company names, or strange-sounding extensions like “.infonet” and “.offer,” rather than “.com” or “.co.uk,” may mean that the source is suspect.

Whether or not the author or publisher is familiar, stop to consider their reputation and professional experience. Are they known for their expertise on the matter? Or do they tend to exaggerate?

Be aware that people who spread fake news and “alternative facts” sometimes create web pages, newspaper mockups, or “doctored” images that look official, but aren’t. So, if you see a suspicious post that looks like it’s from the World Health Organization (WHO), for example, check the WHO’s own site to verify that it’s really there.

Remember, even if you got the story from your best friend, this gives it no extra authority – they likely didn’t follow these steps themselves before forwarding!

Trusted online fact-checking sites like Snopes can help you to verify stories that sound too good to be true.

3. See Who Else Is Reporting the Story

Has anyone else picked up on the story? What do other sources say about it?

Avoid leaping to the conclusion that all main stream media (MSM) output is fake. This can be as unwise as following every rumor or conspiracy theory.

Professional global news agencies such as Reuters, CNN and the BBC have rigorous editorial guidelines and extensive networks of highly trained reporters, so are a good place to start. But no one is unbiased, and anyone can make a mistake, so keep looking.

Finding This Article Useful?

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How to be the real you

Everyone who watches The Real Housewives has the same few questions that cross their minds at certain times. “Did these people know the cameras were running?” is one, and another is “Did that woman just call her vagina a pistachio?” Probably the most pressing question people have is, “How do you become a Real Housewife?” That question of course, is one you’re asking, because being a Housewife seems to be so awesome — just look at Erika Jayne.

Seriously, the women of the Real Housewives never fail to entertain fans of the franchise, and despite all of the fights and shade-throwing, people like Lisa Vanderpump and Bethenny Frankel would probably make even the most staunchly anti-reality TV people want to get on the show. They don’t just let anyone walk onto the show though, sadly. In fact, the power in choosing which housewives largely lies in Andy Cohen’s hands. Aside from hosting Bravo’s late-night talkshow, Watch What Happens Live and each Housewives season’s reunion shows, Cohen acts as the executive producer of the Real Housewives shows.

“I am involved in all of it,” Cohen said on Bravo’s web series, @sk Andy. Even though he has a big role in the casting process, an interview with a Bravo executive on the network’s site revealed that a group of people make the casting decision together, and it even involves an audition process that everyone must go through — even Vanderpump, who was a total shoo-in.

First the contenders for joining the Housewives cast must audition with on-camera interviews. As the network’s executive, Ryan Flynn, told the Bravo blog, they then narrow the list down based on the on-camera interview. Then they try out an at-home shoot to get a better sense of the potential cast member’s life. As Flynn says, they ask “What does a day in the life look like for our top choices? You know [we] meet husbands, meet kids, meet friends . You know what does that life look like?”

Flynn also told Bravo’s blog that the executives prefer to cast people who have a tie into the preexisting cast members. The perfect example of this? Dorinda Medley, according to the TV executive. “It’s always best to have a real-life connection and to have that history. And I think we definitely see that on The Real Housewives of New York City. Like it always felt like Dorinda was there, because in a way she always was,” he said. He continued, “It always felt like if you just turned the camera a couple of feet one way or the other, Dorinda has always been there. And so that’s why I think her inclusion has been so successful.” It’s true that the fan-favorite Housewife even made few cameos on the show before she became an official cast member.

No matter who you are, though, every prospective Housewives cast member has to go through an audition to get on the show. Even Lisa Vanderpump, whose Housewives fame led her to star in another Bravo show, Vanderpump Rules, had to audition. “They asked me twice to audition, and I said, ‘Not for me, thanks,'” Vanderpump told Glamour in Jan. According to the restaurateur-turned-reality star, Jennifer Stallone, who Vanderpump called “Sly Stallone’s wife” when speaking to Glamour, eventually helped convince the RHOBH star to audition. Good thing she did, too, because Vanderpump has become one of the biggest households names from Bravo’s franchise.

Vanderpump’s popularity from the show probably has to do with the fact that she fills all of Cohen’s criteria for the perfect cast member. In a 2014 interview with Cohen, the TV executive explained to Nene Leakes from Real Housewives of Atlanta what he looks for in a potential Housewife: “Someone who is willing to be open, live their life fully in front of the camera, someone with a point of view, someone hopefully who’s got a sense of humor or at least is funny or humorous, or different in some way,” Cohen said on Watch What Happens Live with Leakes.

Cohen also added that it’s important that a cast member is someone who “You know will have something to say. [They] won’t be run over and will open their lives up to the camera and share something we haven’t seen.” If you’re gunning for a spot on the Real Housewives, now you know what makes for a prime cast member.

As for whether or not the term “housewife” need apply to any of the cast members of the show, Cohen told Leakes that you don’t even need to be married to become a part of the cast. “I think [the Real Housewives is] a little bit of a wink because ‘housewife’ is an old fashioned term and I think that we’re turning it over on its head,” Cohen said while speaking to Leakes.

The cast members on The Real Housewives are turning more than just the term “housewife” on its head. With all of the show’s exciting twists and informal alliances, its stars have viewers’ heads spinning. After the women get through Cohen and co’s grueling casting process, they almost always deliver highly entertaining TV.

The first step in how to calculate long-term capital gains tax is generally to find the difference between what you paid for your property and how much you sold it for—adjusting for commissions or fees. Depending on your income level, your capital gain will be taxed federally at either 0%, 15% or 20%.

How to Figure Long-Term Capital Gains Tax

Let’s take a closer look at the details for calculating long-term capital gains tax. Keep in mind, the capital gain rates mentioned above are for assets held for more than one year. If you realize a profit on assets held one year or less (short-term capital gain), these will be taxed as ordinary income. Also, gains on some types of sales, such as rental real estate and collectibles, may be taxed at different rates.

How to be the real you

  1. Determine your basis. This is generally the purchase price plus any commissions or fees paid. Basis may also be increased by reinvested dividends on stocks and other factors.
  2. Determine your realized amount. This is the sale price minus any commissions or fees paid.
  3. Subtract your basis (what you paid) from the realized amount (how much you sold it for) to determine the difference.
    • If you sold your assets for more than you paid, you have a capital gain.
    • If you sold your assets for less than you paid, you have a capital loss. Learn how you can use capital losses to offset capital gains.
  4. Review the list below to know which tax rate to apply to your capital gains.

Determine Your Long-Term Capital Gains Rate

The federal tax rate for your long-term capital gains are taxed depends on where your income falls in relation to three cut-off points.

2017 Long-Term Capital Gain Rates

  • 0% if your income is below $37,950 and you are filing as single (or below $75,900 for married filing jointly)
  • 15% if your income is between $37,951 and $418,400 and you are filing as single (or between $75,901 and $470,700 for married filing jointly)
  • 20% if your income is over $418,400 and you are filing as single (or over $470,700 for married filing jointly)

2018 Long-Term Capital Gain Rates

  • 0% if your income is below $38,700 and you are filing as single (or over $77,400 for married filing jointly)
  • 15% if your income is between $38,701 and $500,000 you are filing as single (or between $77,401 and $600,000 for married filing jointly)
  • 20% if your income is over $500,000 and you are filing as single (or over $600,000 for married filing jointly)

Capital Gains Tax, Form 8949 and Schedule D

In most cases, you’ll use your purchase and sale information to complete Form 8949 so you can report your gains and losses on Schedule D. See Schedule D instructions for more information.

Have additional questions about how to calculate capital gains tax? Our Tax Pros know the ins and outs of taxes and are dedicated to helping you better understand your return.

Make an Appointment with one of our Tax Pros today.

As Roaring Kitty, Citadel, Melvin Capital and Robinhood execs began answering questions for the House Financial Services Committee last week, the world of Reddit and GameStop (GME) – Get Report re-entered the headlines.

The entire saga really hasn’t disappeared, but it has shed light on risks even professionals like hedge fund managers face — risks that can obliterate a portfolio if an investor isn’t careful. Over the next week or two, we’re going to hear the term “gamma squeeze.”

The most pressing question on many investor’s minds is, or should be, how do I avoid getting caught in a gamma squeeze? It’s very simple. Don’t short a stock and don’t short call options.

Short squeezes aren’t anything new to the markets. The basic idea behind a short sale is an investor borrows a stock and sells it to someone else. The stock loan isn’t permanent. Eventually that investor will have to repurchase the stock. Their thesis is they will be able to buy it at a price lower than they sold it and use that lower-priced stock to satisfy their borrow, profiting from the difference.

The thing is, a stock has a fixed number of shares available to trade. If too many people borrow (short) the share, then a large number of buyers will flood the market attempting to buy the stock, pushing the price way up in what’s known as a “short squeeze.” Since there are no limits to how high a stock can go, it also means there are no limits to how much an investor can lose if they short a stock.

If an investor’s losses exceed his or hers account value, or there are no longer enough shares to borrow because of heavy buying demand, the investor who is short the stock can be forced to buy back the shares regardless of the market price in what’s known as a forced buy-in.

With the introduction of options, specifically weekly call options, a short squeeze can be taken to another level called a gamma squeeze. Gamma is a term used among options traders but it adds a wrinkle for even non-option traders that is worth understanding. It’s a situation where the tail wags the dog, then the dog wags the tail and it cycles back and forth. But in this case, it is the stock pushing options until the options push the stock. Think of it as the Sisyphus of squeeze trading as the buyers continue to rotate back and forth between buying stock and buying options.

Modified date: Mar. 22, 2021

How to be the real youA reader recently wrote in asking about credit scores. She wanted to understand why the credit score she received from the credit bureaus was different than the score used by her bank. Here’s her question:

Q: I enjoy reading your blog. I have one question regarding the credit scores. I checked my credit scores with the three credit bureaus, and I was happy to see that my scores were all up well above 600 for each of the bureaus.

Then I went to my credit union. To my big surprise, the manager, after checking my scores based on their system, [said my credit] was well below what I saw with the bureaus.

She told me the credit score we as consumers see with the bureaus is always higher than what lenders such as credit unions and banks see. My question for you is – is this really true? If so, how can we as consumers get our real credit score before going to the lender?

A: So what’s going on here? Several things. First of all, let’s think about credit scores generally. How are they calculated? You need two things to calculate a credit score: data and a credit scoring formula.

The data comes from the credit bureaus – TransUnion, Experian, and Equifax. Each bureau compiles data about your bill paying habits, late payments, credit limits, credit utilization, inquires, and more. To calculated a credit score, this data must be paired with a formula.

The most widely recognized formula comes from FICO. (There are a few competing formulas on the market, but FICO is still the most widely used by the majority of lenders.) We need these two things to generate a credit score.

There are, however, a couple of problems we could encounter that can result in different credit scores. One is that the information in your credit file may vary from one credit bureau to the next. For the most part, the data will be similar, but there will probably be some differences.

Why? Well, you may have a car loan or a bank loan that doesn’t report to all three credit bureaus. The creditor may only report to one or two of them. So one will have the information, but the others will not. One of your credit files may have errors in it, which is actually quite common. It’s not uncommon to check your credit file and find differences between each of the three major bureaus. So that’s part of what’s going to result in different credit scores.

Tip: Use Experian Boost™ to track your real FICO® Score.

The second reason, which is actually even more of a problem, is that there are multiple credit scoring formulas. Even FICO, which you’ve probably encountered, has several different scoring formulas.

There are a couple of reasons for this. FICO is constantly tinkering with its credit scoring formula to get the most predictive tool possible. The goal is to get a formula that accurately predicts credit risk, and they’re constantly adjusting the formula to achieve that goal. Some lenders may choose to use the newest version of the formula, but others may continue to use older versions. (Remember, it usually costs lenders money to update their systems with the latest FICO formula.)

The second problem is that some lenders and industries have customized versions of the FICO formula. For instance, the FICO formula used on your credit file when you apply for a home loan might be different from the formula used when you apply for a credit card.

And there’s still one more problem. Lenders can customize their processes even more on their own. Some lenders take into account other information outside of your FICO score or even your credit file. Some develop their own formulas – or use a formula that wasn’t developed by FICO. And some take into account other information that they may have on you.

So even if we’re looking at the exact same data from the credit bureaus, there are still many formulas to generate a credit score. And this leads to each individual having a variety of possible credit scores. As a result, your lender may and in most cases probably does see a credit score that’s different from what you may have obtained through one of the credit bureaus or even directly from FICO.

That’s the bad news.

The good news is that if you check your credit score through FICO, it will likely be reasonably close to what most lenders will see. I know “reasonably” and “most” are caveats here. You could wind up with a lender that doesn’t use the FICO Score or uses an older version of the formula.

As to the reader’s question, is it always the case that the score you get from a FICO, Experian Credit Karma or other score providers higher than the score a lender sees? Absolutely not. I actually know from personal experience in applying for mortgages that sometimes the score a lender receives is higher than what you get yourself. So your score could be higher or lower for a lender than it is for you. You just don’t know.

There are a few other things to consider. If you check your score in January and then apply for a loan in March, your scores could be different just because there’s more information in your credit file. When your score gets pulled in March, the lender is using the most up-to-date data from the credit bureaus.

Also, regardless of which formulas are used, you’ll take the same steps to improve your score. Paying your bills on time, keeping credit card balances low, and leaving older accounts open will help raise your score.

Ready to increase your score now? Experian Boost™ can help raise your FICO® Score with every utility and mobile phone bill you pay on time. Until now, those payments did not positively impact your score. Start now for free.

Experian Boost Disclaimer – Results may vary. Some may not see improved scores or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost.

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If you are in the market for a loan, the best place to find the score most likely to be used by lenders is directly from FICO. You can click here to be directed to the FICO website, where you can check out your FICO score.

Another option is to check out Credit Karma and/or Credit Sesame. I did a study based on my own credit scores to see how similar their (free!) scores were to the actual FICO Score I obtained when I applied for a mortgage. The scores were surprisingly close. Plus, these services can show you what’s helping your scores and what’s hurting your scores. Even if the number isn’t perfect, you can get an idea of what you’re doing right and what you could do better if you need to improve your credit score.

And if you’re in the market for a big purchase – like a home or a mortgage refinance – that information can be invaluable.

You may apply for the salesperson examination by following the instructions below:

    Complete a Salesperson Examination Application (RE 400A)or a Combined Salesperson Examination and License Application.

  • Be sure to read all instructions and information before completing the application.
  • NOTE: You may not apply to take the examination if you have a license that can still be renewed (see License Renewal).
  • Include the applicable fee for the application.

    • Checks or money orders should be made payable to the Department of Real Estate. Do not send cash.
    • The DRE accepts credit card payment for examination scheduling if the application is submitted by mail or fax. (Visa, MasterCard, American Express, Discover, debit cards bearing the VISA or MasterCard logo)
  • Obtain transcripts showing successful completion of the statutory college-level real estate courses and degrees. Official transcripts or copies of official transcripts are required. For more information, see Education Requirements.
  • If a disability-related reasonable accommodation is needed, complete and attach the Reasonable Accommodations Request for Examination(RE 413)form to the examination application.
  • In compliance with the Americans with Disabilities Act (ADA), Public Law 101-336, the Department of Real Estate (DRE) provides “reasonable accommodations” for examination applicants with disabilities. The information requested below and any documentation regarding your disability will be considered strictly confidential and will not be shared with any outside source without your express written permission.

    If your disability is observable, and your request does not involve modifying examination procedures, but is limited to wheelchair space, special seating or equipment needs, it is not necessary to obtain professional verification.

    If your disability is clearly not observable, you are required to submit documentation from the medical authority or learning institution that rendered a diagnosis. Verification must be submitted to the DRE on the letterhead stationery of the medical authority or specialist that includes the following:

    • Description of the disability and testing needs
    • Recommended accommodation/modification
    • Name, title and telephone number of the medical authority or specialist
    • Original signature of the medical authority or specialist
    • Professional license or certification number of the medical authority or specialist

    If you have previously been granted special testing accommodations by an organization that required documentation to verify your disability, the DRE may accept a copy of the verification, provided you submit the name, address and telephone number of the medical authority, specialist or learning institution that prepared the documentation. Complete the verification section on the reverse side of the form.

    Note: DRE normally conducts examinations in public buildings that are wheelchair accessible. If you have any questions or need assistance determining whether you may require special accommodations in accordance with the American Disability Act (ADA), you may contact the DRE ADA line at (916) 576-3373.

    Mail the completed application, appropriate fee and course transcript(s) to:

    Department of Real Estate
    Examination Section
    P.O. Box 137001
    Sacramento, CA 95813-7001

    Wait at least six weeks or check the current processing timeframes for how long DRE is taking to process salesperson exam applications.

    • Once qualified, an Examination Schedule Notice (RE 401A) or an authorization to self schedule will be sent to you.
    • Use the eLicensing online system to check your exam date or to self schedule.
    • If you have been scheduled and have lost or misplaced your Examination Schedule Notice (RE 401A), you can request a duplicate using the eLicensing online system.
    • If you haven’t been scheduled, and the processing timeframe has elapsed, contact the DRE Examination Section.
  • All qualification requirements must be met before you can be scheduled for the salesperson examination.
  • If you are not qualified at the time you submit your application and fee, you will be notified in writing and you will have two years from the date of receipt of the application in which to complete the qualifications and take the examination. If you do not qualify for and pass the examination during the two-year period, the application will expire and you will need to submit a new application, fee and other required documents.
  • How and Where Exams are Scheduled.