How to Quickly Become a Licensed Realtor in the State of Texas

Have you considered becoming a licensed realtor in the state of Texas?Becoming a realtor in Texas is a simple process once an individual is able to furnish sufficient evidence that he or she completed educational requirements.

The education requirements include training in:

  • Principles of Real Estate core real estate course consisting of (60 classroom hours):
  • A Law of Agency core real estate course consisting of 30 classroom hours
  • A Law of Contract core real estate course consisting of 30 classroom hours
  • An additional core real estate course consisting of 30 classroom hours
  • Four semesters, or 60 classroom hours, in core courses or in related courses acceptable to the Texas Real Estate Commission.

Once the education requirements have been satisfied, a request for evaluation of education documents is filled out and the college transcripts are submitted via credit transcript or certificate and examined by the Commission. A $30 fee, good for one year, is charged for examining the documents.

Upon completion of the evaluation, an Application for Inactive Salesperson License is completed and submitted online. It is important to note that this process follows the evaluation of documents listed above. The two cannot be submitted simultaneously.

The fee for obtaining the license is $94.50 for the original application and $10 for the Recovery Trust Account, previously known as the Recovery Fund. All applicants are required to pay the fees.

Once all paperwork has been processed, a person can obtain a Candidate Information Brochure and register for the exam. Criminal background checks and student loan information may be checked prior to receiving the license and an individual must obtain sponsorship from a licensed Texas real estate broker before going into business. A Salesperson Sponsorship Form is included with application materials.

Leading Texas Real Estate School Offers Home Study Courses With Online Testing

CELI provides quality educational programs for Texas career-oriented professionals. In addition to offering pre-licensing and continuing education real estate courses online and through home-study, CELI also offers courses in the same format for other licensed professions including Home Inspection, Appraisal, Mortgage Lending, and Irrigation.

Now professionals can satisfy license requirements on their own schedule without attending classroom allowing them to dedicate more time to their profession. Accredited online real estate courses offer convenient online home study courses specifically designed for people with busy schedules.

You can now save some of your valuable time and complete an entire course from your home or office instead of sitting in a classroom for countless hours.

CELI does offer independent home study courses in the textbook format where the student will receive a quality textbook from a qualified author and the latest edition available with their choice of either hard copy tests or online testing.

The online format provides the convenience of having all course materials and testing all in one place where the student can access everything they need from their home or office computer.

A great opportunity for those seeking to get or renew a Texas Real Estate Salesperson License, this program also offers the opportunity to maintain the required continuing education hours required by the Texas Real Estate School Commission for licensed realtors in the State of Texas.

CELI offers home study courses with online testing for the following professions: Real Estate, Appraisal, Home Inspection, Licensed Irrigators.

“Our state accreditation’s with regulatory agencies in Texas such as the Texas Real Estate Commission, Texas Savings and Loan Department, Texas Appraisal Licensing and Certification Board and the Texas Commission on Environmental Quality ensure that you receive only the most reliable and accurate educational material,”

Additionally, courses that are provided through means that students are taking courses with a proven leader that has been providing quality education for many years.

Tips for Choosing an Online Texas Real Estate Licensing School

Did you know that if you live in Texas and are considering becoming a real estate salesperson you have to get a permit/license in order to work? Your pre permit lesson can be conducted on the internet and almost all the states have this facility.

What kind of Texas real estate license school to choose?

Select your school carefully. Certain schools that have come up recently have their own curriculum on the Internet. Try to take up lessons that have been compiled by famous authors such as Gaines, Coleman, & Crawford.

How long time does it take to get a Real Estate License?

Surf the Internet to find schools that will let you finish your pre permit lesson in one year. Certain schools provide just some months. That is not safe because you might just stumble across a trouble in those months and might not be able to complete. Property basics, ownership transfer, real estate law, math, contracts, and escrow are the subjects you will have to look into.

How about support from the Real Estate License School?

Search the internet to locate schools that provide you with 24 hours/ 7 days a week help. Certain schools provide a 24-72 hour call or send emails. Well, that indeed is quite a duration to linger.

What happens after your real estate license course?

The pre permit lessons are provided to you such that you get the required certification to be a specialized recognized Real Estate Sales Associate (Salesperson). Once you are done with the permit lessons on the internet, you need to live up to the instruction requirements in order to take the state test.

You will have to carry on enriching your educational criterion even after you have finished your real estate lessons and have received your official real estate license. The time limit varies according to the state and generally is around 15 hours every couple of years.

There is plenty of work in the real estate field when you live in Texas. You will want to make sure that you get in on this great career and make a name for yourself. Remember that you will need to get a Texas real estate license so that you are able to work in the industry in the area.

When you are looking into getting your Texas real estate license you will be able to do so online at

By getting your real estate license online you will find that it is so convenient for you. Make your own schedule and enjoy the ability to work on it from home. Once you receive your real estate license from this approved school at you will be able to get out in the field and make some money.

The harder you work the more you will make – so start the process as soon as you can and get out there in the Texas real estate market and enjoy a great job in an interesting field. You will meet lots of great people and enjoy a fantastic career.

Make sure that you look into it today so that you can begin Texas real estate career that you have always dreamed of having. It is only the internet away, so sit down relax and get your real estate license in no time at all.

Who Can Help to Arrange Real Estate Deals Correctly?

For many agents, real estate deals are usually the largest and most profitable deals in their life. Selling or buying a house, people need to have a reliable support of a good real estate agency and a trustworthy realtor.

Indeed, real estate deals usually involve great amounts of money and certain risks for both buyers and sellers.

Real estate agents usually experience certain risks, as well, because they are responsible for all types of real estate they offer their clients. That is why all parties involved in such deals have to be very careful about all steps they take.

Picking Out the Best Offers

People who are looking for reliable real estate agencies should, first of all, turn to their friends or relatives.

There is no better advertisement for agencies than a word of those people who have already tried their services. Such agencies are always reliable and helpful enough for all their clients.

Another way to find an agency that is trustworthy is on the web. There are many companies that offer their services online. What customers should take into consideration is their licenses.

As soon as different states can have specific details in their real estate regulations, it is better if Texas people choose agencies with a Texas real estate license, and inhabitants of Florida  the ones with a Florida license.

In this case, customers can be sure that all the details of their deals will be correct from the legal point of view.

Besides that, it is necessary to pay attention to the type of real estate the agency deals with. Some companies can be very precise about their choice, so they will not work with other types of premises.

For example, some agencies are better at dealing with commercial premises, while others undertake only those deals that involve houses and apartments.

International Real Estate Agencies

Finally, there are real estate agencies that can help people to buy or to sell property in other countries.

These agencies have to be twice as reliable because losing such an amount of money as a cost of a house or an apartment abroad is a serious matter for clients.

As soon as real estate is a great way to invest money, clients may need information on the foreign real estate market and its prospects.

In this case, agents will have to find a house or an apartment that will be a profitable investment: in a good region, with certain attractive qualities or so.

In a word, it has to be such a piece of real estate that will be pricey in future and is quite affordable now.

A Look at the History of Product Liability Insurance in America

Prior to the year 1900, American businesses did not need to worry about having product liability insurance in place in case a consumer sued over a faulty or unsafe product. The theory of product liability and the need to have a business covered by an insurance plan that catered to product liability insurance comes from the industrial revolution.

Before machinery started producing quantities of consumer goods for sale, starting in the early 1900’s, consumers were expected to use their own judgment on if a product was well made or not. Quality craftsmen existed during this period of time, and they took pride in making individual products for sale.

As automobiles became popular after World War One, and factory production started including a labor force interested in running machines, the notion of product liability insurance started to become a thought that would still take years to develop. During the 1920’s and 1930’s early factory machinery did produce flawed items now and then.

Between the early 1900’s and the beginning of the 1940’s, consumers were buying products based upon a long-time theory of intelligence. It was assumed that consumers could tell when a product might be hazardous to buy, own, or operate and that it was up to each individual consumer to use common sense while shopping.

World War Two changed how factory productions worked and added the female population into the workforce. Factory machinery was streamlined, and more consumer goods entered into the marketplace. With the widespread use of electricity in new items becoming the norm – there were lots of product liability insurance types of claims entering into the court systems as consumers came in contact with faulty electrical products.

By the 1960’s our current expanded situation in product liability insurance issues was set in stone due to negligence, breach of warranty and strict liability. Court laws had changed to allow consumer’s access to the manufacturers and distributors of items being sold that were unsafe. While consumers still shopped with the attitude that it was up to them to judge a product’s safety, the laws were letting some product liability lawsuit plaintiffs receive large amounts of money for claims.

Today, product liability insurance is needed by all businesses that make or offer products to consumers. The consumer is no longer required to use any judgment at all while using a product for the purpose that it was intended for. If the product’s instructions do not make it clear that an electrical appliance should not be used in a bathtub this is a potential product liability insurance claim problem.

Product liability insurance covers manufacturers, retail suppliers, and store owners if a product somehow fails to meet the public’s standards. Each product sold, including those from an antique store, must have all hazards announced to the consumer or there is a possibility that your store will be making a product liability insurance claim.

It is very advisable today, with the product liability situation the way that it is, that all stores, retail supply sources, and manufacturers have some product liability insurance on hand and available in case a problem comes up. The courts are known to give consumers suffering damages very large settlements at times.

The Advantages of Product Liability Coverage to Protect Your Product Business

The most important aspect of product liability insurance is the ‘product.’ This type of product insurance covers damage claims made by people who have suffered losses or have been harmed by the faults of a product. Thus, having a product defect problem could lead to litigation so it would be very important to have product umbrella liability insurance.

It is important not to confuse “faulty” and “flawed.” Indeed, a defective product is one that does not allow the use that could be expected of it (e.g. a TV that does not display an image).

This type of product is not covered by the Product Liability Act. Defective products are those which have a security breach (e.g. an imploding TV). The scope is big for people too. People affected by this Act are specifically designated.

The victims are protected under product liability coverage. If they claim for damages, the product liability insurance can protect you. The Civil Code expressly excludes all distinctions between contractors and third parties. The product manufacturer is necessarily a professional who has worked on the raw material, component, or part of the product. Only the latter is in principle, liable for damage caused by a defect in his product.

However, if it cannot be identified, then it can involve an equally responsible supplier or seller. The enlargement of the range of leaders is in the interest of the victims. It is not necessary to distinguish whether the head is linked to the victim on the basis of a contract. The product **manufacturing liability insurance policy** protects you against claims arising from accidents or injuries due to your factory or company claims and applies to both the contractual field and tort.

The scope of product liability coverage is important with respect to time. To fall within the scope of the law, the product must have been in circulation after 1998.

The circulation results in two characters:

  • The producer was taken off the product
  • The product is offered for sale or any other form of distribution

In 2006, the USA civil law gave a definition of commissioning of a product. This is the stage where “the product leaves the manufacturing process and enters the marketing process.” This definition is important for product liability insurance. The law provides two deadlines for action beyond which product liability can no longer act:

  • The limitation period: The law imposes a period of three years after the date on which the claimant knew or should have known about the damage, the defect and the identity of the producer. Beyond this period, the product liability insurance does not come into the picture.
  • The marketing-related period: the victim cannot act against the producer beyond 10 years after the release of the product. If the damage occurs within that 10 years, then the action against the victim is prescribed by three years from the day he became aware of the lack of security. According to the Civil Code based on consumer protection, the product is put into circulation when the producer is relinquished voluntarily. A product is the subject of a single release.

The law has some evidence requirements to identify the specific faults of the manufacturer. Therefore, the manager cannot avoid liability by showing that he has committed no fault. He can no longer avoid liability by showing that the product was produced within the rules of art, or in accordance with requirements. It is, therefore, not an accountability system based on fault. The manager can get product liability insurance too.

A Look at 3 Common Types of Business Liability Insurance Coverage

Most business owners are aware that they should research getting business liability insurance coverage, but only a small percentage realize that there are significant differences in the types of liability insurance policies. Professional indemnity insurance, product liability insurance, and general liability insurance are the three main types, and they differ significantly on the types of claims they protect a business against.

To begin, let’s cover product liability insurance – the first step is to understand liability when it comes to products. Product liability, or the legal responsibility of an entity regarding their product and its relation to a consumer, is something that any entity in the distribution cycle of a product can bear, including manufacturers, distributors, refurbishers, resellers, and retailers. Any claim brought up by a consumer that alleges injury, damage, or loss due to the use of a product can be placed against any entity in the entire creation & distribution cycle of a product.

When it comes to manufacturers, product liability lies in the quality of the product workmanship, quality of materials used, the functioning of each individual component in the product, the reliability of the design of the product, and the warning labels placed on the product or in the packaging. If any of these elements are missing or inferior, the chances of product liability claims can be much higher.

The other entities who handle the product in any way, including those between the manufacturer and the retailer, are also liable for product-related claims. In the United States, a consumer with a product claim has full rights to see the names of all businesses who had anything to do with a product and can bring a suit against any of them.

According to the insurance provider ( ), when it comes to the person bringing a claim against a company concerning a product, they don’t even have to be the one who bought or used the product. A complete stranger can be walking past someone using a product, and if that product causes the stranger to suffering loss or damage or injury, they can bring a lawsuit against a company or companies they feel are responsible.

Professional indemnity insurance is better suited to a business who provides services, such as an accounting firm, a medical doctor, an architect, or a consultant. These providers are at risk of having a claim brought against them if the services they provide cause someone to suffer loss or damage. Many times, an omission is the number one cause for claims. Consider if an accountant omitted some crucial information from financial statements; this could be devastating for a business.

General liability, while it does contain some level of product liability, is better suited for businesses who don’t sell large quantities of products, but rather deal with non-risk associated businesses. This is a good starting place for any business, with the option to move towards product liability or professional indemnity if necessary.

Online Real Estate Schools Are Perfect for Busy People Wanting to Make a Career Change

Taking real estate courses over the internet is great to people who do not have the time to attend classes, it can also be more difficult than taking real estate courses in an actual classroom.

But the most important thing that you need to consider when it comes to choosing real estate courses which you will be needing for your licensing is to choose an accredited real estate school. Otherwise, the classes that you take will not be considered valid for meeting the requirement of real estate education pre-real estate licensing.

Real estate licensing online courses are great for busy people looking to make a career change because they are the fastest and most convenient way to get a real estate license.

With up-to-date courseware and state-of-the-art teaching tools, these online schools are increasing in popularity with every passing day. If you to save some of your valuable time and complete an entire course from your home or office instead of sitting in a classroom for countless hours.

There are many online real estate schools where you can go to get your real estate license, but you need to make sure you find an accredited school before you sign up.

An online school with a focus on real estate such as in Texas has state accreditations with regulatory agencies in Texas to make sure you are getting the best education possible.

They partner with other companies such as the Texas Real Estate Commission, Texas Savings and Loan Department, Texas Appraisal Licensing and Certification Board and the Texas Commission on Environmental Quality.

This ensures that you receive only the most reliable and accurate educational material.

Additionally, some of the real estate courses that are provided through the school means that students are taking an online course to get their real estate license has proven leader that has been providing quality education for over 100 years.

Benefits of Product Liability Insurance to Nutraceutical and Dietary Supplement Companies

Product liability insurance is a specific part of business insurance which covers the legal aspects of any product manufacturing company, regarding their product. For businesses working in the dietary supplement and nutraceutical industry having this type of coverage is critical.

If the supplements being sold as a product causes any damages to a person, the buyer can always file a legal claim and sue the company that manufacturers or sells the dietary product.

Having a specific type of products liability policy designed for a dietary supplement company will take care of the legal aspects of this type of product liability legal business claim.

Product liability includes manufacturing defects, design defect, or no warning messages. Suppose the products have manufacturing defects due to inferior quality materials, which can cause some damage to the property of the buyer.

If the product is not properly designed to suit the need of the buyer or no warning messages on the box or in the instruction book let so the buyer injures himself or his property while using the product with out knowing about the danger. If any of the above said things cause damage to the buyer, he can always sue the manufacturing company of the product.

When a product is manufactured, not only the manufacturing company is responsible for the product but also the persons involved, like wholesalers, retailers and suppliers are also answerable to the public. If any damage is caused to the property or persons, the buyer of the product may sue the company. Product liability insurance will help in dealing with the litigation and they will pay the financial liabilities if needed.

For more information on getting Product Liability Insurance for a Nutraceutical or Dietary Supplements business please visit and apply for coverage today.

Do I Really Need Product Liability Insurance Coverage?

Before shopping for a product liability insurance policy, it is understandable for you to wonder if you even need one in the first place. Well, as you’re bound to discover in your search for relevance and necessity, you will come to realize that virtually every business owner needs to invest in product liability coverage.

If you are a product manufacturer, YES, you need product liability insurance coverage!

In fact, even if nobody else in the entire business world needed insurance, you couldn’t possibly find a way to escape needing it. You would be the primary target in any damage or liability claim sought by a consumer with respect to your product; after all, you perform the most relevant and crucial function in the whole distribution chain. When something goes wrong the buck stops with you. Even if you’re acquitted in court, it would still be to your advantage to have an insurance policy you can rely on to cover your legal expenses.

If you’re an importer, exporter, retailer, or wholesaler; yes, you too need product liability insurance coverage. Under law, you are just as liable as manufacturers. In fact, if you were instrumental in the creation of a product, or in any change, repair, or enhancement made to said product, you are very liable in regard to that product; especially if it bears your brand name. Your liability becomes even more evident if the manufacturer of the product is too far to be reached by judicial instruments of the sovereign government.

Necessary Products Insurance to for Product Liability Lawsuit Protection

Nowadays, there are insurance policies to suit virtually every issue or scenario. In areas where they happen to be absent, customized policies can be formulated, and premium charges appropriately applied. For people whose businesses fall in the area of production, product liability insurance is very necessary.

A product generally refers to any physical item that is either sold or given away.

Sometimes, products can cause injuries, or damages to properties of customers, and thereby attract lawsuits that could put you out of business. In cases where you are found to be legally responsible for such injuries or damages, you can very well be ordered to pay compensations to affected parties, especially if such products sport your business brand, or you were in command of handling them in any way and cannot identify the manufacturer. It is important to note, however, that the laws guiding product liability vary from country to country.

It is quite possible for businesses occupying higher positions in the chain of production than you to end up bearing the full brunt of product liability in such circumstances. For that to happen however, you must be able to prove that the products involved were faulty before they even got to you.

You must also be able to prove that you have good quality control systems in place, and that terms for return of faulty goods were included in the manufacturer or processor’s contract that was given to the consumer in question. Adequate precautionary measures, such as quality staff training in the use of appropriate and quality systems, must be found to have already been in place.

Finally, it is important to read through the terms and conditions of your insurance coverage before signing the contract. This will help you to avoid careless oversights that could result in you not deriving the full benefits of product liability coverage.