Don't wait until the tax-filing deadline next April to start thinking about ways to minimize what you owe.

Understanding these standards can help you craft smarter listings, attract new clientele and work with properties known to save money and outpace local market appreciation.

Founders can't be afraid to fail or make mistakes, says iCream founder Matevos Keleshian, because "[m]aking mistakes will teach you things that no university or college ever will." Keleshian's company owns and operates frozen dessert vending machines, which, he says, has "solved the issue of increasing costs of real estate by lowering square footage and increasing the minimum wage."

Brands should tap into employees who balance their day jobs with being part-time creators, writes Jay Choyce Tibbitts, Deutsch New York's associate director of social strategy. These individuals are typically "entrepreneurial self-starters," have a holistic perspective of business processes and "are often on the ground floor of new trends and able to turn them into action."

Members in all 50 states will get a chance to engage in person with NAR leaders as they make their way across the nation.

Data from the Federal Reserve Bank of New York shows that 26.7% of adult consumers applied for a new credit card in the past 12 months, an increase of 3.6 percentage points from a year ago, with the data also showing increased consumer hesitation over applying for mortgages. Many respondents noted that they would pay their credit card debt in full when there were plentiful funds available from pandemic relief programs, but the habit has reversed now most of the programs have ended.

Vancouver-based QuadReal Property Group is conducting "carbon audits" across its property portfolio, including 12,000 multifamily housing units as the company pursues emissions reductions. Plans include electrification of systems and other efficiency upgrades to its buildings.

Many Somali Muslim families in Minnesota have found the path to homeownership difficult, with religious restrictions on paying or profiting from interest, and some families are taking advantage of seller financing or contract-for-deed agreements. These contracts offer few protections for buyers, and many do not understand that lump-sum payments will be required when sales contracts end.

It can take a significant amount of time for the economy to fully register the impact of the Federal Reserve's interest rate hikes, which can make it difficult for policymakers to move at precisely the correct pace. However, various segments of the economy react differently, with residential mortgage rates tending to anticipate the Fed's moves.

A Federal Reserve survey of lending officers finds that the number of banks tightening terms on loans for medium and large businesses and commercial real estate in the third quarter has reached levels previously recorded during recessions. Some economists express reservations about the trend, as difficulty obtaining credit will weigh down spending, which would actively contribute to recessionary conditions.