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But as incentives go, commissions are tricky. First of all, a 6 percent real-estate commission is typically split between the seller’s agent and the buyer’s. Each agent then kicks back roughly half of her take to the agency. Which means that only 1.5 percent of the purchase price goes directly into your agent’s pocket. So on the sale of your $300,000 house, her personal take of the $18,000 commission is $4,500. Still not bad, you say. But what if the house was actually worth more than $300,000? What if, with a little more effort and patience and a few more newspaper ads, she could have sold it for $310,000? After the commission, that puts an additional $9,400 in your pocket. But the agent’s additional share—her personal 1.5 percent of the extra $10,000—is a mere $150. If you earn $9,400 while she earns only $150, maybe your incentives aren’t aligned after all.

To be sure, the cost of managing capital and of “formal” financial intermediation (that is, the investment advice and portfolio management services provided by a bank or official financial institution or real estate agency or managing partner) is obviously taken into account and deducted from the income on capital in calculating the average rate of return (as presented here). But this is not the case with “informal” financial intermediation: every investor spends time—in some cases a lot of time—managing his own portfolio and affairs and determining which investments are likely to be the most profitable. This effort can in certain cases be compared to genuine entrepreneurial labor or to a form of business activity.

1920, blacks owned 350 businesses in Detroit, including a movie theater, the only African American–owned pawnshop in the United States, a co-op grocery, and a bank. The community included 17 physicians, 22 lawyers, 22 barbershops, 13 dentists, 12 cartage agencies, 11 tailors, 10 restaurants, 10 real estate dealers, 8 grocers, 6 drugstores, 5 undertakers, 4 employment offices, a few service-stations, and a candy maker.

Progressives want to take over all the major industries, from education to health care to energy to automobiles to investment banking to real estate. From Wall Street to Silicon Valley, they want, as my fellow inmates like to say, “the whole enchilada.” This is not to say that progressives intend to seize all that wealth, but they do want to control it. Progressives generally can’t create wealth, so they seek to take it over once it has been created by someone else. They do this through the various agencies of government, such as the IRS, the FBI, the EPA, the FCC, the FDA, the BLM, and HHS. Certainly progressive leaders intend to become fantastically rich while pretending to serve the public good—look at the way the Obamas and the Clintons live—but their ultimate goal isn’t just money: it is also power. Progressives like Obama and Hillary want to wrest control of the levers of society so that they can run things for their own benefit, and do what they want without restraint, above the law.

Trusting in God's Direction When I served as a denominational leader in Vancouver, one of our churches believed God was leading it to begin three new mission churches for different language groups. At that time, the church had only seventeen members. Human reason would have immediately ruled out such a large assignment for a small church. They were hoping to receive financial support from our denomination's Home Mission Board to pay the mission pastors' salaries. One pastor was already in the process of relocating to Vancouver when we unexpectedly received word that the mission board would be unable to fund any new work in our area for the next three years. The church didn't have the funds to do what God had called it to do. When they sought my counsel, I suggested that they first go back to the Lord and clarify what God had said to them. If this was merely something they wanted to do for God, God would not be obligated to provide for them. After they sought the Lord, they returned and said, “We still believe God is calling us to start all three new churches.” At this point, they had to walk by faith and trust God to provide for what He was clearly leading them to do. A few months later, the church received some surprising news. Six years earlier, I had led a series of meetings in a church in California. An elderly woman had approached me and said she wanted to will part of her estate for use in mission work in our city. The associational office had just received a letter from an attorney in California informing them that they would be receiving a substantial check from that dear woman's estate. The association could now provide the funds needed by the sponsoring church. The amount was sufficient to firmly establish all three churches this faithful congregation had launched. Did God know what He was doing when He told a seventeen-member church to begin three new congregations? Yes. He already knew the funds would not be available from the missions agency, and He was also aware of the generosity of an elderly saint in California. None of these details caught God by surprise. That small church in Vancouver had known in their minds that God could provide. But through this experience they developed a deeper trust in their all knowing God. Whenever God directs you, you will never have to question His will. He knows what He is going to do.

Anna Chapman was born Anna Vasil’yevna Kushchyenko, in Volgograd, formally Stalingrad, Russia, an important Russian industrial city. During the Battle of Stalingrad in World War II, the city became famous for its resistance against the German Army. As a matter of personal history, I had an uncle, by marriage that was killed in this battle. Many historians consider the battle of Stalingrad the largest and bloodiest battle in the history of warfare. Anna earned her master's degree in economics in Moscow. Her father at the time was employed by the Soviet embassy in Nairobi, Kenya, where he allegedly was a senior KGB agent. After her marriage to Alex Chapman, Anna became a British subject and held a British passport. For a time Alex and Anna lived in London where among other places, she worked for Barclays Bank. In 2009 Anna Chapman left her husband and London, and moved to New York City, living at 20 Exchange Place, in the Wall Street area of downtown Manhattan. In 2009, after a slow start, she enlarged her real-estate business, having as many as 50 employees. Chapman, using her real name worked in the Russian “Illegals Program,” a group of sleeper agents, when an undercover FBI agent, in a New York coffee shop, offered to get her a fake passport, which she accepted. On her father’s advice she handed the passport over to the NYPD, however it still led to her arrest. Ten Russian agents including Anna Chapman were arrested, after having been observed for years, on charges which included money laundering and suspicion of spying for Russia. This led to the largest prisoner swap between the United States and Russia since 1986. On July 8, 2010 the swap was completed at the Vienna International Airport. Five days later the British Home Office revoked Anna’s citizenship preventing her return to England. In December of 2010 Anna Chapman reappeared when she was appointed to the public council of the Young Guard of United Russia, where she was involved in the education of young people. The following month Chapman began hosting a weekly TV show in Russia called Secrets of the World and in June of 2011 she was appointed as editor of Venture Business News magazine. In 2012, the FBI released information that Anna Chapman attempted to snare a senior member of President Barack Obama's cabinet, in what was termed a “Honey Trap.” After the 2008 financial meltdown, sources suggest that Anna may have targeted the dapper Peter Orzag, who was divorced in 2006 and served as Special Assistant to the President, for Economic Policy. Between 2007 and 2010 he was involved in the drafting of the federal budget for the Obama Administration and may have been an appealing target to the FSB, the Russian Intelligence Agency. During Orzag’s time as a federal employee, he frequently came to New York City, where associating with Anna could have been a natural fit, considering her financial and economics background. Coincidently, Orzag resigned from his federal position the same month that Chapman was arrested. Following this, Orzag took a job at Citigroup as Vice President of Global Banking. In 2009, he fathered a child with his former girlfriend, Claire Milonas, the daughter of Greek shipping executive, Spiros Milonas, chairman and President of Ionian Management Inc. In September of 2010, Orzag married Bianna Golodryga, the popular news and finance anchor at Yahoo and a contributor to MSNBC's Morning Joe. She also had co-anchored the weekend edition of ABC's Good Morning America. Not surprisingly Bianna was born in in Moldova, Soviet Union, and in 1980, her family moved to Houston, Texas. She graduated from the University of Texas at Austin, with a degree in Russian/East European & Eurasian studies and has a minor in economics. They have two children. Yes, she is fluent in Russian! Presently Orszag is a banker and economist, and a Vice Chairman of investment banking and Managing Director at Lazard.

The way Brad’s business works,” she said, “is that companies who are looking to expand send his agency locations where they want to go, and I don’t mean towns or regions. I mean coordinates. Latitude and longitude. Often they’ve already identified the site themselves.” “Why don’t they just buy the property themselves?” I asked. “Something about retailers not wanting to also be in real estate,” she said with a shrug. “It never made much sense to me either, but apparently it’s about showing their investors that they are staying within a particular area of business expertise and subcontracting for related services. Anyway. So a company like yours—Great Deal, right?” “Right.” “Great Deal says they want three stores in metro Atlanta in these locations and they’ll pay between one and three million per lot. Brad goes in, negotiates the deal with the property owner through a broker, ensures the land is suitable, then purchases it for Great Deal. But say he finds out that the seller will part with the land for only a few hundred thousand? He knows Great Deal will pay way more than that so . . .” “He convinces the seller to ask for a higher price and gets a cut of the extra?” I suggest. “Worse,” she said, and now her previous despondency settled back into her body so that she sagged and, for a second, squeezed her eyes shut. “He buys the land himself. Sets up a shell company under someone else’s name, then tries to sell it on to Great Deal at the markup he knows they’ll pay. A million plus profit per site.

Yes, but all that’s needed is to break reciprocity,” he answered. “By controlling information, making sure it flows one way. Take over the databases. Trump up panic situations, so the public will support paternalistic ‘protections.’ Make sure lots of privacy laws get passed, then bribe open some back doors, so elites can see it all anyway, and ‘privacy’ only protects them. “Of course there’s more to the program than that,” Hamish continued, gaining momentum. “The smarty-pants knowledge castes will see what’s happening and complain. So you propagandize a lot of populist resentment against the scientists and other professionals, calling them ‘smug elites.’ Finally … when the civil servants and techies have lost the public’s trust, just cut the other estates out of the information loop, take complete control over the cameras and government agencies and voilà! A tyranny that lasts millennia!

That night, they sat around the hotel room with a bottle of tequila and some salt and limes and talked about names for the new real estate company. A few ideas sprang up right away but got rejected just as fast. A half bottle of tequila later, the name "Real Estate Maximums Incorporated" was tossed around as a possibility. Nobody spoke for a moment because everyone liked it. Maximums meant that everyone would get the most out of the relationship-real estate agents and customers alike. The name did a good job of communicating the everybody wins principle at the heart of the endeavor. But after a few more minutes, they realized it didn't quite work. It wasn't snappy enough for a good brand name, and it was too long to fit on a real estate sign. More tequila got poured. No one could come up with another name that felt as on-target as Real Estate Maximums. Someone suggested shortening it to R. E. Max. That made it snappier and appealing in a brand name sense; but when you wrote it out, it looked too much like a real person's name. You could imagine junk mail arriving at the office in care of Mr. and Mrs. R. E. Max. Collins pointed out that Exxon had formed only a few years before, and the X with a slash through it looked very smart. So Liniger took out the dots and tried a slash through the middle of the word and then capitalized all the letters. They looked at the pad of paper and saw: RE/MAX. A silence came over them, followed by a few backslaps and cheers. Everything about the word looked exactly right, as though they were talking about an established global company. Now, what about colors? They were on a roll. Now was no time to stop. A few more shots of tequila went around while they debated the right look for the new RE/MAX. It didn't take long to figure it out: Everyone in the room was a Vietnam vet and patriotic to the core. The colors, of course, had to be red, white, and blue. When they considered the whole package, they knew they had it. And that's how the idea for the distinctive RE/MAX brand was hatched. Considering the time and resources that get poured into brand development today, their methods might seem unorthodox if admirably effective. No money was spent on advertising agencies, market research, or trademark protection. The only investment was a decent bottle of tequila; the only focus group, a bunch of guys sitting around a room having a good laugh.

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Americans. All had good credit ratings, and banks were willing to issue mortgages if the FHA would approve. But the agency stated that “no loans will be given to colored developments.” When banks told the real estate agent that without FHA endorsement they would not issue the mortgages, he approached the Prudential Life Insurance Company, which also said that although the applicants were all creditworthy, it could not issue mortgages unless the FHA approved. Today, Fanwood’s population remains 5 percent black in a county with a black population of about 25 percent.

Outreach to a For Sale by Owner (FSBO)/expired listing Hi it’s (insert name) calling from (insert agency) You may not know me, but I have sold a lot of properties in your area and I have noticed you were looking to sell (insert property address) Is this property still available?

for most political leaders the warnings of the experts counted for little when compared with the immediate advantages of monetary union. As soon as a country adopted the euro, its public debt received the highest rating by the international agencies, and consequently its government could borrow at about the same interest rate as the most virtuous members of the bloc. This meant that countries like Greece, Portugal, Spain, or Italy could borrow at rates well below the double-digit rates they had to pay before adopting the euro. In particular, the possibility of borrowing at low cost in the international financial markets is what made possible the Spanish real-estate boom. As a result of the euro-induced boom, wages and inflation grew much faster in Spain than in Germany or France. At the same time, the ECB, being mainly concerned with the level of inflation in the largest economies of the euro zone – Germany, France, and Italy – allowed the interest rate to remain low – too low for the conditions prevailing in Spain.

To quiet the land. When there has been unspecific trauma on the land and residents feel the impact, it is possible to do a constellation to identify the trauma and ask blessing of the land To inform land use: reforestation, development of both the land and communities that interface with the land To inform architectural design: Identify locations for green spaces and test environmentally sound building materials To inform energy choices: passive solar, hydro, wind, alternative building practices To support real estate transactions- Why won’t a place sell, supporting potential buyers to be able to look at properties in a systemic way To support environmentally based community action agencies Work with pets- both for veterinary practice and to

So, what was it Ravenswood wanted to discuss with you privately, anyway? Or are you allowed to say?” They walked a short distance in silence before Tristan answered. “Actually, he wanted to talk about you.” “Me?” Dom said, surprised. “What about me?” “He’s worried about you. About how you’ll react if Nancy ends up bearing George’s son, and you lose the estate and have to go back to running the agency again.” Tristan slanted a glance at him. “He’s not the only one.” “I’ll be fine.” To his shock, he realized it was true. He wouldn’t be happy about it, of course, but he had learned how to cope. Compared to the first time, this was nothing. “I lost everything once and survived it well enough. I can do it again. Besides, I have a business concern that I can return to now, so it’ll be easier.” “Not if this nonsense with Nancy means you lose Jane again, too.” He sucked in a harsh breath. “I am not losing Jane.” The words were a vow, to himself and to her. He would do whatever it took to keep her this time.

But the country estate in Fairfax was not a government asylum. It was the headquarters of Station S, the nation’s first personality assessment center for covert operatives—a special project organized and funded by the Office of Strategic Services. A precursor to the Central Intelligence Agency, the OSS owed its existence to William “Wild Bill” Donovan, a bright-eyed, bull-nosed army major and lawyer whom friends described as an irrepressible patriot, a man determined to meet the U.S. government’s every espionage and counterespionage need no matter the inconvenience or cost.

The three main players in the MBS market are: • Government National Mortgage Association, or GNMA (pronounced “Ginnie Mae”), is backed by a federal agency and guarantees mortgage payments on loans issued through federal loan programs (like the VA and the FHA). Unlike other MBS, bonds guaranteed by GNMA are backed by the full faith and credit of the US government, just like Treasury bonds. • Federal National Mortgage Association, or FNMA (“Fannie Mae”), is a private corporation that buys mortgages from large commercial banks, repackages them into bonds, and sells those bonds to investors. FNMA is not backed by the federal government (even though the government created it), so these bonds carry higher credit risk (the risk that you won’t get your money back). • Federal Home Loan Mortgage Corporation, or FHLMC (commonly called “Freddie Mac”), works almost the same way as FNMA. It buys up mortgages from smaller lenders, like savings and loan banks or credit unions, then packages them to create MBS. Freddie Mac bonds are not backed by the US government.

Trump’s well-known hatred of federal agencies was steeped in his fear of being investigated for his real estate holdings and financial relationships with foreign governments.

It was the German powerhouse Deutsche Bank AG, not my fictitious RhineBank, that financed the construction of the extermination camp at Auschwitz and the nearby factory that manufactured Zyklon B pellets. And it was Deutsche Bank that earned millions of Nazi reichsmarks through the Aryanization of Jewish-owned businesses. Deutsche Bank also incurred massive multibillion-dollar fines for helping rogue nations such as Iran and Syria evade US economic sanctions; for manipulating the London interbank lending rate; for selling toxic mortgage-backed securities to unwitting investors; and for laundering untold billions’ worth of tainted Russian assets through its so-called Russian Laundromat. In 2007 and 2008, Deutsche Bank extended an unsecured $1 billion line of credit to VTB Bank, a Kremlin-controlled lender that financed the Russian intelligence services and granted cover jobs to Russian intelligence officers operating abroad. Which meant that Germany’s biggest lender, knowingly or unknowingly, was a silent partner in Vladimir Putin’s war against the West and liberal democracy. Increasingly, that war is being waged by Putin’s wealthy cronies and by privately owned companies like the Wagner Group and the Internet Research Agency, the St. Petersburg troll factory that allegedly meddled in the 2016 US presidential election. The IRA was one of three Russian companies named in a sprawling indictment handed down by the Justice Department in February 2018 that detailed the scope and sophistication of the Russian interference. According to special counsel Robert S. Mueller III, the Russian cyber operatives stole the identities of American citizens, posed as political and religious activists on social media, and used divisive issues such as race and immigration to inflame an already divided electorate—all in support of their preferred candidate, the reality television star and real estate developer Donald Trump. Russian operatives even traveled to the United States to gather intelligence. They focused their efforts on key battleground states and, remarkably, covertly coordinated with members of the Trump campaign in August 2016 to organize rallies in Florida. The Russian interference also included a hack of the Democratic National Committee that resulted in a politically devastating leak of thousands of emails that threw the Democratic convention in Philadelphia into turmoil. In his final report, released in redacted form in April 2019, Robert Mueller said that Moscow’s efforts were part of a “sweeping and systematic” campaign to assist Donald Trump and weaken his Democratic rival, Hillary Clinton. Mueller was unable to establish a chargeable criminal conspiracy between the Trump campaign and the Russian government, though the report noted that key witnesses used encrypted communications, engaged in obstructive behavior, gave false or misleading testimony, or chose not to testify at all. Perhaps most damning was the special counsel’s conclusion that the Trump campaign “expected it would benefit electorally from the information stolen and released through Russian efforts.

ignored his assumption that another member of our brothers-in-arms, Joshua, was involved. It was an obvious assumption—Joshua liked to hack into government agencies to unwind. The rest of us played squash. “I’m well connected—some would say powerful in real estate circles. I’ve got money and resources. For Christ’s sake, I know the brand of loo paper this guy uses. But apparently, it’s not enough to get a meeting.” Things would be very different if my birth certificate had carried my biological father’s name.

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To solve the inability of middle-class renters to purchase single-family homes for the first time, Congress and President Roosevelt created the Federal Housing Administration in 1934. The FHA insured bank mortgages that covered 80 percent of purchase prices, had terms of twenty years, and were fully amortized. To be eligible for such insurance, the FHA insisted on doing its own appraisal of the property to make certain that the loan had a low risk of default. Because the FHA's appraisal standards included a whites-only requirement, racial segregation now became an official requirement of the federal mortgage insurance program. The FHA judged that properties would probably be too risky for insurance if they were in racially mixed neighborhoods or even in white neighborhoods near black ones that might possibly integrate in the future. When a bank applied to the FHA for insurance on a prospective loan, the agency conducted a property appraisal, which was also likely performed by a local real estate agent hired by the agency. as the volume of applications increased, the agency hired its own appraisers, usually from the ranks of the private real estate agents who had previously been working as contractors for the FHA. To guide their work, the FHA provided them with an Underwriting Manual. The first, issued in 1935, gave this instruction: 'If a neighborhood is to retain stability it is necessary that properties shall continue to be occupied by the same social and racial classes. A change in social or racial occupancy generally leads to instability and a reduction in values.' Appraisers were told to give higher ratings where '[p]rotection against some adverse influences is obtained,' and that '[i]mportant among adverse influences . . . are infiltration of inharmonious racial or nationality groups.' The manual concluded that '[a]ll mortgages on properties protected against [such] unfavorable influences, to the extent such protection is possible, will obtain a high rating.' The FHA discouraged banks from making any loans at all in urban neighborhoods rather than newly built suburbs; according to the Underwriting Manual, 'older properties . . . have a tendency to accelerate the rate of transition to lower class occupancy.' The FHA favored mortgages in areas where boulevards or highways served to separate African American families from whites, stating that '[n]atural or artificially established barriers will prove effective in protecting a neighborhood and the locations within it from adverse influences, . . . includ[ing] prevention of the infiltration of . . . lower class occupancy, and inharmonious racial groups.

If doubt has brought you to this page, you probably need a little genealogical cheat-sheet: Kimiâ Sadr, the narrator. Leïli Sadr, Kimiâ’s oldest sister. Mina Sadr, the younger sister. Sara Sadr (née Tadjamol), Kimiâ’s mother. Darius Sadr, Kimiâ’s father. Born in 1925 in Qazvin, he is the fourth son of Mirza-Ali Sadr and Nour. The Sadr uncles (six official ones, plus one more): Uncle Number One, the eldest, prosecuting attorney in Tehran. Uncle Number Two (Saddeq), responsible for managing the family lands in Mazandaran and Qazvin. Keeper of the family history. Uncle Number Three, notary. Uncle Number Five, manager of an electrical appliance shop near the Grand Bazar. Uncle Number Six (Pirouz), professor of literature at the University of Tehran. Owner of one of the largest real estate agencies in the city. Abbas, Uncle Number Seven (in a way). Illegitimate son of Mirza-Ali and a Qazvin prostitute. Nour, paternal grandmother of Kimiâ, whom her six sons call Mother. Born a few minutes after her twin sister, she was the thirtieth child of Montazemolmolk, and the only one to inherit her father’s blue eyes, the same shade of blue as the Caspian Sea. She died in 1971, the day of Kimiâ’s birth. Mirza-Ali, paternal grandfather. Son and grandson of wealthy Qazvin merchants; he was the only one of the eleven children of Rokhnedin Khan and Monavar Banou to have turquoise eyes the color of the sky over Najaf, the city of his birth. He married Nour in 1911 in order to perpetuate a line of Sadrs with blue eyes. Emma Aslanian, maternal grandmother of Kimiâ and mother of Sara. Her parents, Anahide and Artavaz Aslanian, fled Turkey shortly before the Armenian genocide in 1915. The custom of reading coffee grounds was passed down to her from her grandmother Sévana. Montazemolmolk, paternal great-grandfather of Kimiâ and father of Nour. Feudal lord born in Mazandaran. Parvindokht, one of Montazemolmolk’s many daughters; sister of Nour. Kamran Shiravan, son of one of Mirza-Ali’s sisters and Ebrahim Shiravan. Cousin of Darius . . .

One might think that the explosion of new media outlets produced by the digital revolution would multiply checks on government power and that increased competition among different news outlets might encourage them to adopt higher standards. The reverse seems to be true, alas: instead of an ever-more vigiliant “fourth estate,” the growing role of cable news channels, the Internet, online publishing, the blogosphere, and social media seems to be making the media environment less accountable than ever before. Citizens can choose which version of a nearly infinite number of “realities” to read, listen to, or watch. Anonymous individuals and foreign intelligence agencies disseminate “fake news” that is all too often taken seriously, and such “news” sites as Breitbart, the Drudge Report, and InfoWars compete for viewers not by working harder to ferret out the truth, but by trafficking in rumors, unsupported accusations, and conspiracy theories. Leading politicians—most notoriously, Donald Trump himself—have given these outlets greater credibility by repeating their claims while simultaneously disparaging established media organizations as biased and unreliable.77 The net effect is to discredit any source of information that challenges one’s own version of events. If enough people genuinely believe “The New York Times is fake news,” as former congressman Newt Gingrich said in 2016, then all sources of information become equally valid and a key pillar of democracy is effectively neutered.

Agency is full of challenging conversations. If you are uncomfortable with discussing your fee with clients, then you're probably not the right person to be representing them.