Groups are smaller communities within the larger ActiveRain. Join groups created by others. or start your own and
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This is the place to view the past and present contests put on by ActiveRain and its members. Everyone can join the
group and help encourage each other. Current contest will be highlighted posts so it's easy for you all to see. Let it
Curious as to what others in your profession think about a certain product or tool?
AR's community takes the time to leave honest and transparent reviews of their experiences
so you can be a bit wiser about your purchase.
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Add new products as you use them and gain points for doing so
ActiveRain University (ARU) provides free on-line training. We coach, consult and support real estate professionals about real estate trends, technology and social media.
ARU Calendar provides class types and registration links
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Whatever it is you're into and wherever you are, AR surely has a group for you to join.
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Each time you write a post you can syndicate your post to 5 groups.
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Each month AR runs numerous contests as a way for our members to engage in activities
that will boost their business and increase their visibility in the community and beyond.
Earn points by partaking in these contest and climb the leaderboard
Do what's good for you and your business by participating
If you have an idea for a contest, just let us know
Stay motivated and on track with new contests popping up each month
Ask a Real Estate Question
Here's another avenue for you to build relationships with others. Share your expertise with someone searching for answers.
Play the teacher role and help someone out today
Your Homepage will alert you of new questions in your state
A wonderful way to open a door to a possible new client
Ask a question yourself to get help
These state pages or hyper-local pages provide content directly related to a specific geographical location.
State, County, City and Neighborhood pages make it easy for consumers to find what they're looking for.
Post your listings, school information, local events, market reports and more
Consumers peruse these pages for information
Farm your niche market and cover all the happenings in your neighborhood
I recently attended a seminar, sponsored by a local commerce organization, on identify theft. I believe I had a good understanding of what identify theft is and some of the precautions I have to take to minimize risks. Those precautions included guarding my personal information and not giving it out unnecessarily, using secure communications and computer systems, and even shredding anything that contains contact and personal information when disposing of documents.
What the speaker helped me realize as a real estate professional and a business person -- one who acquires, stores, uses or has access to any kind of identity information -- is the extent of my personal and company's liability exposure for identity theft involving other individuals' information in which I have come in contact or still have in my possession. Recent tough federal (and state) laws can result in heavy fines, civil penalties and even imprisonment for those found with inadequate (not being in proper compliance for) identity information protection.
Important federal identity information protection laws that you need to know and for which you and your business must be in compliance:
F.A.C.T.A. (see also FACTA Basics and FDIC regarding FACTA) FACTA stands for Fair and Accurate Credit Transactions Act. It covers the right to access your credit information once a year, but also requires businesses to properly protect and dispose of identify information that they have in their possession. If you have employees or customers, then this directly impacts you, as the owner or executive of your business, holding you personally liable for failure to properly protect identity information.
The Disposal Rule section of FACTA, now law, was designed to minimize the risk of identity theft and consumer fraud, It states that any person who maintains or otherwise possesses consumer or employee information for a business purpose is required to properly dispose of the information. This includes information used, or expected to be used, to establish eligibility for credit, insurance, or employment. In addition, all information contained in or derived from consumer reports and records must be properly disposed to protect against unauthorized access to or use of the information. (See also Inc.com's article about what it means for business.)
HIPPA (Health Insurance Portability and Accountability Act) Security Rule - if you are, anyone you know, is involved in the healthcare industry, you all know first-hand the importance of protecting personal information of patients and the angst and difficulty it entails to properly comply; but this also impacts anyone who has personnel that work for them if maintaining any type of healthcare related records, including making payments, coordination of benefits, etc. (See also APA's HIPPA Security Rule Primer, Security Rule in Federal Register, AHA and HIPPA.)
Gramm, Leach, Bliley Safeguard Rule, enforced by the Federal Trade Commission, requires financial institutions (this even includes education institutions) as well as those that use financial information to have a "Safeguard" security plan to protect the confidentiality and integrity of personal consumer information. (See also Wikipedia - Safeguards Rule and EDUCAUSE's GLB page). For example, according to the FTC, here is a partial list of those who must comply (regardless of whether large or small):
Consumer reporting companies
Attorneys or private investigators
Individuals who obtain a credit report on prospective nannies, contractors, or tenants
Entities that maintain information in consumer reports as part of their role as service providers to other organizations covered by the Rule
NOTE: In addition to federal ID theft laws, many states (e.g., click here for article about state laws in the Delaware Valley) have also established their own Identity Theft regulations that may be tougher for compliance than federal laws.
Providing news, information and resources with a focus on supporting you while conducting business, living and vacationing in the South Jersey area but also covering topics that are broader or national in scope.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.