Retailers look online for holiday shopping momentum Crain's Chicago Business, IL - 55 minutes ago ?Needless to say, retailers will be closely watching this trend and most likely adjust as needed,? he said. ?While this is an encouraging start for ...
Cyber thieves are on the prowl for the holiday season SunHerald.com, MS - These bad guys will multiply their efforts this year to get shoppers to give out personal information, according to experts at Trend Micro, ...
TV shopping networks tuning in to Internet National Jeweler Network, NY - 41 minutes ago For example, HSN has partnered with TV entertainment show Extra! on a new initiative called "Trend Shopper Powered by HSN" that features products in a ...
Shelf Life: 10 Retail Trends CNBC European Business, UK - The trend is also seen in Warsaw, where Zloty Tarasy shopping centre, which opened last year, brings the out-of-town experience to the city centre. ...
Source: Google News
Recent News and Articles on the Keywords: 1,590 + 0.34 + web Related to the article below (Last Update: 8/5/2008)
[장외]금호생명보험 사흘째 하락 머니투데이, South Korea - Jul 31, 2008 코스피 지수가 장 초반 1600선까지 올라섰으나 개인의 매도세로 상승폭이 둔화되기도 했지만 외국인의 순매수에 힘입어 1590선에서 마감했다. ...
Source: Google News
Creating Adaptive Web Sites Through Usage-Based Clustering of URLs - B Mobasher, R Cooley, J Srivastava - Proceedings of the 1999 Workshop on Knowledge and Data …, 1999 - doi.ieeecs.org ...0.34... [16] Spiliopoulou, M. and Faulstich, LC, WUM: A Web Utilization Miner. In
Proceedings of EDBT Workshop WebDB98, Valencia, Spain, LNCS 1590, Springer Verlag ...
Discovery and Evaluation of Aggregate Usage Profiles for Web Personalization - B Mobasher, H Dai, T Luo, M Nakagawa - Data Mining and Knowledge Discovery, 2002 - Springer ... Profiles for Web Personalization ... For an up-to-date survey of Web usage mining
techniques and systems see Srivastava et al. (2000). ...
Web Impact Factors for Iranian Universities - A Noruzi - Webology, 2005 - webology.ir ... coming from domains except IR (Iran), G English pages in the web site, H ... Shiraz
University of Medical Sciences, 11.76, 22000, 2990, 1000, 1870, 1.60, 2190, 1590, ...
Vitamin E and Neonatal Hemolysis - SJ Gross, SA Landaw, FA Oski - Pediatrics, 1977 - Am Acad Pediatrics ... www.pediatrics.org the World Wide Web at: The ... 0.56 ? 0.11% 1.08 ? 0.20% (0.15 - 0.47)
(0.34 - 0.76) (0.64 ... Apgar score (1180-2438) 7.9 ? 0.9 (1590-2010) 8.7 ...
Jean?Robert Labrosse, Nathalie Pichon, Catherine Goux?Henry - P Lhoste, D Sinou - arkat-usa.org ... Dedicated to Professor Marcial Moreno-Ma?as on the occasion of his 60 th birthday.
(received 28 Dec 01; accepted 11 Mar 02; published on the web 19 Mar 02). ...
[PDF]Palladium?catalyzed synthesis of 2, 3-dihydro-2-substituted-2-vinyl-1, 4-benzodioxins - JR Labrosse, N Pichon, C Goux?Henry, P Lhoste, D … - ARKIVOC, 2002 - arkat-usa.org ... th birthday ( received 28 Dec 01; accepted 11 Mar 02; published on the web 19 Mar
02 ) ... 3060, 3040, 2950, 2920, 2880, 2850, 1690, 1590, 1480, 1460, 1250 cm ...
[CITATION] Applications of carbon nanotubes in the twenty-first century - M Endo, T Hayashi, YA Kim, M Terrones, MS … - Philosophical Transactions of the Royal Society A: …, 2004 - The Royal Society ... in a larger inter-layer spacing (0.34 nm) when ... microscope (SEM) images (figure 3a)
show web-like structures ... a zone-folding spread, are observed at ca.1590 cm ...
Source: Google Scholar
The Trend Toward `1-Stop Shopping' Is Growing Locally
Windermere this week joins a growing list of real estate companies renting space to mortgage brokerages. The Puget Sound region's largest realty firm will co-habitate in six of its 105 offices with Stonemark Mortgage. Stonemark will broker its loans to a variety of lenders, although Washington Mutual will be a major player.
Stonemark, started by Steven L. Sherman, a former Windermere planning consultant, will attempt to bring one-stop shopping for real estate services to the remaining Windermere offices in the next few years.
"By having the buyer's mortgage representative on-site, the loan process will be quicker and easier to navigate," Sherman said. "And, there will be more efficient communication between agent, buyer and mortgage company."
The idea is not new, but the move by Windermere is huge. It means most potential buyers will now be introduced to, or at the least made aware of, the loan officer in the building.
Is this in the best interests of the consumer? And, is it in the best interest of the real estate agent who has developed a successful working relationship with other lenders? A mortgage lender (along with title companies and escrow firms) desperately needs good real estate agents on his team. If the agent doesn't keep the deal together, no one in the real estate transaction chain will be paid.
Convenient vs. cozy
I don't think real-estate agents should get paid for counseling buyers about loans. I also do not agree with the new regulation under the federal Real Estate Settlement Procedures Act that permits real-estate agents to charge potential homebuyers a fee for referring them to other services within the company.
There must be a distinction between convenient and cozy. The key here is to keep all services provided under one roof separate and independent even though they share office space. There must be no confusion about how these companies are linked. If consumers perceive that the satellite company's services are forced on them, or that the company is the only option available, the purpose has been defeated.
"We know that we will have to earn our keep," said Bart Harrington, president of Stonemark and former head of residential lending for First Interstate Bank. "We realize that we will have to offer a high level of service."
Lennox Scott, owner and president of John L. Scott, is part owner of The Mortgage Company, a residential loan brokerage located within selected John L. Scott realty offices. Scott, whose mortgage division has been around for nearly two years, envisions an all-encompassing "real estate center," where services would be pre-packaged (appraisal, title, inspection). His goal is to streamline the process so a for-sale home could be chosen, sold, financed and closed within 5-10 days.
Other lender-realty relationships are sprouting up, too. CTX Mortgage in Bellevue recently rented space at the ReMax Canyon Creek Realty office in Bothell and will soon open a satellite branch at ReMax Masters in Everett.
"Purchasing a home can seem complicated enough without having to research and chase down the best mortgage option," said Harrington, former president of the Seattle Mortgage Bankers Association. "Now, homebuyers have an experienced member on their team to guide them through the loan process from the beginning. . . . They will know up front exactly what price they can afford and will have financing in hand when they make an offer. . . . Bottom line, it's the strongest negotiating tool a buyer can have."
I agree that pre-qualification and pre-approval are strong negotiating tools. What I don't like is the idea that the customer could think the package offered by the lender in the real estate agent's building is the best possible one on the market for his or her circumstances.
The day of the one-stop-shopping option may be here, but my advice is to shop further.
Tom Kelly is a private real-estate consultant.
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