No matter where you are located or where you will be conducting business, you are sure to find numerous van insurance brokers who are willing to sell you an adequate commercial van insurance policy. The only difference between insurance brokers will be the packages they offer and the costs they pass onto their consumers.

Using a variety of resources such as the Internet, local business directories or even referrals through friends and family will be helpful in your search to find the right commercial van insurance for your small business. You do not want to limit your choices for commercial auto insurance by not conducting enough research and gathering a number of quotes from assorted insurance brokers.

The word chelation has different implications. In the field of fitness and sustenance it refers to chelated materials. But when it comes to chelation treatment it refers to system inside the body. Chelated materials refer to the procedure outside the body. It signifies how diverse materials are processed to make chelated materials. Within the body chelation system shows how the chelating instruments work on the materials and molecules, which are not good for the body. The procedure takes place in the abdomen or intestine and rinses out discarded substances from the body. Basically the practice of chelation is complete. It mainly pacts with how the EDTA the chief chelation instrument works on the poisonous metals and resources.

EDTA is the major part of the treatment, be it oral or intravenous. In both ways EDTA is managed onto the patients. This EDTA goes into the blood stream and ties the metals and minerals together and removes them to rinse the blood. There are two speculations concerning how the procedure goes on for diverse fitness situations. Theory one says that EDTA gets affixed with the free drastic and energetic molecular fragments. These are dangerous fragments and can harm the body tissues and blood liners also. Second theory says that EDTA gets linked with calcium and other such materials. It starts a mechanism, which eventually recovers the state of blood liners and chambers.

You buy a property, you flip it, you profit. Does this require a real estate license? In most cases, the answer is “”no”".

Real estate brokerage is an activity regulated by states on their own terms, thus each state defines which activities require a license. There is a lot of vagueness and ambiguity in some of the state licensing codes, as well as “”gray areas”", which complicate the matter. Furthermore, if you vary the techniques and your business practices beyond the scope of what I teach in my course, it is not always clear how the state authorities might view your practices. Therefore, this discussion is limited to the simple activity of buying and flipping as follows:

1. Sign a contract with a seller, assign it to a third party

2. Sign a contract with a seller, sign another one with a third party, then double close

The large majority of states use the “”for another”" language in their state licensing statutes. The “”for another”" language means the law provides a laundry list of activities that require a license if you do it “”for another.”"

A good example is the Ohio Statute:

§ 4735.01 Definitions. As used in this chapter:

(A) “”Real estate broker”" includes any person, partnership, association, limited liability company, limited liability partnership, or corporation, foreign or domestic, who for another, whether pursuant to a power of attorney or otherwise, and who for a fee, commission, or other valuable consideration, or with the intention, or in the expectation, or upon the promise of receiving or collecting a fee, commission, or other valuable consideration does any of the following:

The code then goes on to list all types of activity, such as buying, selling, offerings, leasing, negotiating, etc. This type of statute would clearly exempt you from doing any of the listed activity so long as you were doing it on your own behalf. The following court case clearly delineates the difference between acting on your own behalf and acting as a broker.

In XARIN REAL ESTATE v. GAMBOA, 715 S.W. 80 (TX 1986), an investor named XARIN entered into a purchase contract with the owner, GAMBOA, then assigned his purchase contract to a third party, BAKER. When the deal blew up, BAKER sued XARIN claiming, among other things, that XARIN was illegally acting as a real estate broker without a license.

The court ruled that, “”No evidence exists to show that XARIN was acting for anyone but itself when it sold its interest to Baker. XARIN was shown on the sales contract to be only the purchaser and was not shown in any agency capacity… There is also no evidence that XARIN acted for BAKER when XARIN acquired its interest in the property from the GAMBOAS. Generally, to establish that one person has acted for another in an normal agency relationship, there must be an agreement between two persons and one must exercise some control over the other.”"

Two important points are worth noting here. First, the court acknowledged that XARIN had “”an interest in the property”" when it signed a purchase contract with GAMBOA. As we will discuss later, having “”an interest”" in real estate allows you to sell your interest, which is specifically exempt from many state licensing laws. Second, the court made an important point that that the XARIN did not have a deal with BAKER in place when it made the deal with the owner of the property. This is important because the reverse can also be true; if you make a deal with a buyer first, then find him a property, a good argument can be made that activity is brokering on behalf of the buyer.

Other states that do not use the “”for another”" language clearly identify specific exemptions in their licensing statutes. A good example is the South Carolina statute, which reads:

“”This chapter does not apply to:

(1) the sale, lease, or rental of real estate by an unlicensed owner of real estate who owns any interest in the real estate if the interest being sold, leased, or rented is identical to the owner’s legal interest”"

However, you must have an interest in the property before you sell it. In general, a contract to purchase property gives the buyer an equitable interest in the land. 27A Am. Jur. 2d Equitable Conversion § 10. Thus, if you have an interest in the property, you are basically exempt from the licensing regulations in these states.

A few states limit the real estate activity of ANY persons, even if you are acting on your own behalf. SD, MN, WI, MI, MD & MN all have limitations on the number and frequency of real estate transactions you can do before you will need a real estate license. For example, Michigan law limits you to 4 transactions per year, although it is not clear whether using multiple corporate entities will be a workaround. William Bronchick’s Real Estate Success Library Volume 1 - Flipping Properties Course

There’s few, if any, reported cases of people being prosecuted anywhere in the Country for not having a real estate license. The issue of licensing is more relevant in the enforcement of your profit. For example, if you assign your contract prior to closing and expect the buyer to pay you at closing, he may stiff you and argue “”you don’t have a license”".

The bottom line is that if you don’t ACT like a real estate broker, the state agencies that license brokers will leave you alone. If you use the licensing exemptions to skirt the licensing laws, you will likely hear from the state licensing agencies. It is important that you make it very clear to all parties in the transaction that you are NOT a broker and are acting on your own behalf.