Sometimes if they are nice on the phone to you offering a gift card to their favorite restaurant is appreciated.No legal advice given. 

If you have a mortgage lender, 6 credit cards and an auto loan inquiries within 2 weeks, it looks like you are spending money as fast (or faster) than you can make it.When was the last time you got a copy of your credit report?

Transport issues, rental restrictions, resale restrictions, etc. 

Section 5-15(a) of the Act provides:  It is unlawful for any person, corporation, limited liability company, registered limited liability partnership, or partnership to act as a managing broker, real estate broker . . . or to advertise or assume to act as such broker . . . without a properly issued sponsor card or a license issued under this Act by the Department, either directly or through its authorized designee. 225 ILCS 454/5-15(a).  

I find it easier to learn by listening, taking practice exams, using flash cards, and when driving listening to CDs.

I was raised to save, to avoid credit cards like the plague, to pay down my home and be done with banks. 

Credit card cash advances, personal bank loans, loans against other assets you have, borrow from friends or family.

You need to show them you are legit, and you get deals signed.Tell them what benefits there are for her (because all agents are female)(There are a ton of benefits):Give them the leads that are better suited for an agent.Give sellers the agent's card and tell the sellers "Yo mami, my agent is the bomb.

Doesn't it boil down to having two business cards created (at least in your mind)?

(Great for follow ups)Greeting Cards- average response rate of 2%, mostly quality calls.