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Pros and disadvantages of the sale of the house compared to the use of a real estate agent –

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The potential of saving money is one of the predominant the explanation why some people want to sell their very own homes as an alternative of using a real estate agent.

A recent survey conducted by Clever, the educational platform for real estate for buyers of houses, sellers and investors, showed that individuals using the sale by the owner (FSBO) sometimes include the option not to pay the commission of the Agent’s Quades.

But the process isn’t easy and might be delivered with hooks.

Forty -nine percent of FSBO sellers regret that they didn’t value their home in a different way, compared to 73% of represented sellers who thought their agent had valued their home. Eighty percent of sellers without an agent were dissatisfied with part of the sale of the house, and the lack of offers (24%) is the most typical regret.

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In addition, 50% of FSBO sellers felt overwhelmed when selling the house, and 53% added that the buyer didn’t trust them.

To sum up: individuals who want to lower your expenses in 2025 might be encouraged to sellers of FSBO. However, studies have shown that these sellers might be upset because they will pack extra money with a real estate agent.

Based on some Medium Auction Agent Commission 2.74%FSBO sellers can save around $ 14,000 at home in the amount of USD 500,000. However, sellers who connect with the agent and remuneration commissions have reported a mean profit of USD 207,500, which is a solid USD 79,000 greater than the profit of FSBO sellers in the amount of USD 128,500.

In July and August 2024, Clever was surveyed 654 American adults who sold the house in 2023 or 2024 to evaluate their experience from home, including in the event that they used the agent.

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In general, sellers needs to be aware of the benefits and disadvantages of using the FSBO approach or employing a real estate agent to sell a house.

Jaime Dunaway-Seale, creator of this report, He says that the jack is bigger control over sales. For example, they will negotiate without an intermediary. They can organize their shows and set the catalog price.

The downside: they abandon a lot of specialist knowledge, without using the agent and risk that fewer buyers come to their home because the agent isn’t used.

“This lack of specialist knowledge usually leads to lower profits for these sellers,” says Dunaway-Seale Black enterprise.

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Good news for sellers employing an agent is that they may receive a lot of help from a real estate agent who knows the market and understands the process of buying a home. This normally causes more profit, faster sales and less stressful experience for the owner of the home.

And vice versa, using an agent is often a significant investment prematurely that may reduce overall profit.

“The right choice for the owner of the house, where the option to use may depend on their situation and what they value most, including variables, such as profit, finding the right buyer and how quickly they want to sell,” says Dunaway-Seale.

(Tagstranslate) FSBO

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The report shows that the difference in gender wages is expanding in 2025.

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Salary, expectations, California, financial limitations, money, Black women, taxes, deductions, e file, turbo tax, moving expenses, money mindset


Payscale, Inc. published his report in the field of sex remuneration in 2025 and The results show little progress in several industries Despite the provisions regarding the transparency of wages. The second 12 months in a row women earn only 83 cents for every dollar of men

As an industry leader in the field of injury management, Payscale is to assist people in search of work, employees and corporations in achieving fair remuneration inside sex. In the 2025 report, Crowdsourcal analysts have been given from over 369,000 people in the United States, which took a free Paysale online remuneration survey between January 2024 and January 2025.

Some key results from the report show that motherhood is still harmful to capital salary for working parents. Fathers receive a raise, but women with children earn only 75 cents for everybody, what dollar fathers do, unchanged in comparison with last 12 months’s report.

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Unfortunately, the maternity gap is even wider for girls in color, which earn 64 cents for every earnings for dollars, in response to the report.

In general, paternity advantages men who earn 2% greater than men without children. On the other hand, moms are in stagnation or reduced salary in comparison with women without children.

How higher education affects the gap in gender salaries

Despite obtaining advanced degrees, reminiscent of MBA, legal degrees and doctorates of health care staff, women are still facing a big gap in salaries. Education itself doesn’t guarantee capital salary.

Women from MBA are facing the most significant uncontrolled pay gap, earning only 77 cents for every dollar earned by men with the same degree. Doctorates of healthcare staff have the smallest uncontrolled gap in salaries of 89 cents. Women with the law earn 87 cents for every dollar with the same degree, which is a small decrease from 2024.

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The difference in gender salaries is the amount earning for each dollar, which the man earns, settling the position and compensation aspects. Uncontrolled gender refers to the difference in differences in the median of remuneration for men and ladies in total.

Difference in genital salaries under leadership

According to the report, women often reach leadership roles, and once they do that, they earn less as their profession progresses.

White men occupy managerial positions, and 45% serves as managers or higher roles. Women are insufficiently represented in leadership roles, and only 5% of white women change into managers in comparison with 7% of white men. The numbers are even lower for girls in color: 4% for black or African -American women, 3% for Latin women and three% for Asian women.

Women who rise to a company ladder earn lower than their male counterparts, and the gap expands at higher levels. Women at the executive level earn 93 cents for every dollar that men do, even when controlling work characteristics, and only 72 cents, once they don’t control these aspects.

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In the entire industry, the largest gaps in wages are found in deeply rooted in genital standards. In a legal place, women earn 63 cents for every dollar. In the agricultural and fishing industry, women produce 77 cents for every dollar, and in managing women earn 79 cents for every dollar.

The difference in gender salaries is also the widest in terms of finance and insurance. Women earn 78 cents for every dollar, despite the fact that women constitute 53% of the workforce.

Even in industries dominated by women, the differences in salaries persist. In health care, women earn 89 cents for every dollar. Women in education produce 91 cents for every dollar, and in non -profit, women earn 88 cents for every dollar.

“It is disappointing that there is still no progress in the direction of closing the difference in gender salaries. In addition to being the right thing, ensuring a fair remuneration without discrimination is required by law. This fact itself should support the closing of genda gap,” said Lulu Seikay, a senior lawyer of corporate employment in Payskale. “The transparency of remuneration has an important role here. When the employee understands their trajectory of compensation, increases trust and loyalty.”

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Mae Reeves used hats showing to drive voters’ involvement and black entrepreneurship

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Lula “Mae” Reeves, one among the primary black women in Philly have your individual companyHe created unique hats and non -standard hats for celebrities, comrades, professionals and a church in the middle of Philadelphia for Over 50 years.

She made hats for on a regular basis wearing, hats for special occasions and Wonderful “Showstoppers“, As she called them. Her celebrities were Earth Kitt, Marian Anderson, Lena Horne, Ella Fitzgerald and members of the family of Du Pont and Annenberg.

A pink -style hat with flowers from MiEE MiEE.
Smithsonian National Museum of African American History and Culture/Gift from Mae Reeves and its children Donna Limerick and William Minkcey, Jr.

I’m Museum specialist At the National Museum of African American History and Culture on the Smithsonian Institution and an authority in the sphere of costumes, textiles and mill fashion.

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In 2009 I used to be called to visit Mae’s Milliner, her former store at 41 N. sixtieth St. Permanent exhibition In Smithsonian, which plays the Reeves store and presents a few of its stunning projects.

For the primary time I met Reeves personally on the Darby Nursing Home, Pennsylvania that day. She was 96 years old.

Just a few years later I returned to Philadelphia to participate within the a hundredth birthday of Reeves. To the surprise and intriguing, I learned that in this visit Reeves also used her Milliner store as an election station.

Sepia toned photo of the AA group of seven fashionable women wearing hats pose together on the stairs
Mae Reeves, in the primary row on the suitable, poses with models wearing their designs.
Smithsonian National Museum of African American History and Culture/Gift from Mae Reeves and its children Donna Limerick and William Minkcey, Jr.

Black Velvet Turban on the exhibition

During my first meeting with Reeves, she shared the memory of the primary hat, which she created after opening her sixtieth Street store, a beautifully decorated store in 1941. Her original Milliner store was at 1630 South St., and a lot of her famous customers followed her to a brand new location in West Philadelphia.

Reeves remembered that he created a black velvet turban she placed within the window. The young woman went home from work and was fascinated. The woman got here back to try him out and, Reeves told me, visualized a powerful fashion statement. She bought a turban for around $ 20 – about USD 430 in today’s dollars.

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To open its West Philly Millinery store, Reeves secured a business loan of USD 500 in 1940 Citizens and southern bank and trust. The bank that has a black bank satisfied the African -American community in Philadelphia, because a lot of the Banks belonging to the White, refused to loans to black customers.

Reeves was pleased with how she herself secured a signed loan herself-maintaining the repute of “good opinion” and having solid business plans. She was also very proud that “she repaid the entire loan.”

A business card for Mae Reeves with an illustration of a maid providing a large gift box
A business card for Mae’s Milliner Shop in West Philadelphia.
Smithsonian National Museum of African American History and Culture/Gift from Mae Reeves and its children Donna Limerick and William Minkcey, Jr.

From the miller’s store to the election station

To move her Milliner store to the election station, Reeves told me that she and her second husband, Joel Reeves, who sold advertisements in newspapers, remove beautiful furniture and decorative items to accommodate voting machines.

To discover concerning the designated election station, the couple spread manual manual and hung posters throughout the realm. Reeves offered food plate politicians who stopped and the cake. She wanted to create a protected and hospitable place to pick from, at the identical time emphasizing the importance that black philadelphics perform their right to vote.

Reeves was also an extended -time member Freedom Day AssociationA bunch created in 1941 in Philadelphia to ensure Younger African Americans Understand the importance of the thirteenth amendment that has lifted slavery; 14. Amendment that gives citizenship to all people born or naturalized within the USA; and 15. Amendment that prohibits the refusal of residents’ right to vote due to race, color or previous easement.

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The association was founded by Major Richard Robert Wright Sr., a former American army payer, pedagogue, politician, citizenship lawyer and founding father of residents and southern bank – a bank who offered a May loan of USD 500. Reeves admired Wright, who was born in slavery, and considered him an in depth friend and business colleague. In her Milliner store she kept a replica of his portrait photo.

The mannequin's head is wearing a turquoise turban hat with a golden jewel of a brooch
Turquoise turban -style hat with a brooch made by Mae Reeves.
Smithsonian National Museum of African American History and Culture/Gift from Mae Reeves and its children Donna Limerick and William Minkcey, Jr.

Grilling and beach tours

In March 2025 I talked by phone with Reeves, Donna Limerick. She told me that Reeves was a member and president of sixtieth Street Business Association, who promoted good business practices, divided marketing strategies and encouraged to support other corporations within the association.

Reeves was also energetic in National Association of fashion designers and accessoriesA black industrial group sponsored by the National Council of Negroes. The group’s goal was to promote black women in the style industry by developing their business skills and support cooperation and access to mainstream fashion. . The philadelphia chapter was founded in 1950.

Despite many skilled and civic obligations, Reeves also took care of his family members. Limerick shared with me when her parents took children from the neighborhood to the summer home in Mizpah, New Jersey. They would lean children with delicious homemade meals and desserts, organize regular barbecue and trips on the beach and teach children fishing.

Reeves He died in 2016 At the age of 104. I hope that her story encourages others – just as she encouraged me – to be brave enough to dream; be conscientious enough to make your dreams come true; Be careful to support your community; be an individual of grace; And watch out to all the time expect, look and give joy.

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Jasmine McCall will talk about making money for what you owe

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Jasmine McCall, founding father of Paybump, is a distinguished speaker on this 12 months Black company Women of Power Summit, which will happen on March 5-9 on the Bellagio Hotel in Las Vegas.

McCall will speak on the session “Pay me what you” on March 7. The creator of social content and businesswoman had a profitable 12 months.

In 2022, a 32-year-old entrepreneur resigned from a six-digit work as a staff manager at Amazon. She tried to create many streams of income on her own conditions, so McCall gave up and focused on her online presence. She began to burn content for her YouTube channel, where she provides other black women with information about information Creating passive income.

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According to McCall, her various sources of income brought her income of $ 100,000 for passive income.

McCall can also be the founder and general director of Paybump, Career Service Center. Members gain access to “work from anywhere”, leads, interview training and resume libraries for a monthly subscription fee. The platform also offers classes and resources designed to assist members construct a “set of career tools”.

The general director uses his voice and lots of social media platforms to support capital’s salary. A free walk around its content will present her discussions on the negotiations of payroll contracts in 2025.

Her contribution to the “Pay Me What You Aw me” speaker session is especially vital since the limited progress in your personal capital appears to be reduced.

In 2022, the Institute for Women’s Policy Research announced the positioning of black women regarding wage equality. According to the research, the difference varies depending on the state.

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“Annual earnings for all black women with earnings, including full -time and part -time employees, ranged from 41.8 cents in Utah to 75.3 cents for a dollar in Hawaii. Black women who worked full -time throughout the year, earned 49.6 cents for each dollar, which a white man produced in Luisiana and 74 cents per Hawaii. “

Regardless of the state, no woman should earn lower than a person with equal skills. That is why it’s needed to talk “wages to me what I owe to me”.

Join other power women, discussing ways of access to higher remuneration bands and discover methods to create each lively and passive income in order that the ability lies only in your hands.

Check what Jasmine McCall has to say at 2025 TO BE Women of Power Summit.

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(Tagstranslatate) Women of Power

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