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    I'm in need of a real estate website with a unique twist: a built-in mortgage calculator. The primary purpose of my website is to serve as a real estate hub, showcasing a diverse and attractive range of properties, however, I'd like the site to also feature an interactive mortgage calculator. While I haven't specified a specific function for the mortgage calculator, I expect it to be user-friendly and accurate, adhering to the current industry standards. Ideal Skills and Experience: - Proven website design and development experience - Familiarity with real estate industry - Experience implementing financial calculators into websites - Strong understanding of user experience and site functionality requirements - Attention to details and creative proble...

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    Looking for a financial research to find Total Assets and Total Equity for given 10 banks More details will be given to shortlisted candidates only. Confidential data. I prefer someone from Kenya/Dubai. Highly experienced only. Write word 'Confidential' at the starting of your proposal.

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    I am looking to create an engaging eBook focused on the topic of home loans. It will serve as a comprehensive guide, with particular emphasis on: - Finding the best interest rates - The loan application process - Eligibility criteria - Tips on paying off a mortgage sooner The strategies will include making additional payments each month, refinancing and switching to a bi-weekly payment schedule. Ideal candidates for this project are experienced in eBook design, while knowledge in financial literacy, especially in home loans, is of great advantage. Applicants should be able to combine textual content and visual elements effectively to create an engaging, user-friendly resource.

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    I'm looking for a sales agent based in Melbourne to help sell virtual staff services to mortgage brokers. You will be required to contact mortgage brokers, book appointments and visit their offices and do a presentation showcasing benefits of using our virtual employees. You will be paid a commission on each sale. Target is to close minimum 4 sales a week but sky is the limit The ideal candidate should have: - understanding of mortage broking business (not mandatory) - Knowledge and understanding of closing a sale. - Excellent communication skills; capable of explaining complex concepts in simple, understandable terms - An established network of business contacts in Melbourne would be highly advantageous This is a great opportunity for someone who understands the pote...

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    I need a professional to develop a PowerPoint presentation centered around Diversity, Equity, and Inclusion (DEI). The primary function of this presentation is education and training, specifically in the Human Resources field. Key elements I require: - Less than 15 slides - Clear and engaging content - Authorities in DEI and HR will be the primary audience - I also would like to add interacting slides about DEI (a game) and possibly some role plays) Ideal skills: - PowerPoint expertise - Understanding and experience in HR and DEI - Ability to communicate complex concepts in simple, understandable ways. This project will require good graphic design skills to create visually appealing slides. Bonus if you have experience in corporate training materials. I look forward to receiving...

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    As a mortgage lending company, we're looking for an outstanding freelancer skilled in lead generation. Your role will encompass reaching out to homebuyers, real estate investors, and those seeking to refinance. We require specific details from these leads: - Contact information - Desired loan amount - Credit score range - Income details Your skills in lead generation within the mortgage industry will be highly valued. Further, your experience and understanding of our target audience - homebuyers, real estate investors, and refinance seekers, will set you apart. We're excited to work with someone who will bring their strategic approach, alongside their skills with various lead generation tools and platforms, to maximize our goals in this project.

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    ...am looking for a skilled finance expert with strong capabilities in investment analysis, specifically in the area of equity analysis. The focus of this project is: - To provide comprehensive equity analysis, with particular emphasis on valuation & future projections. - ability to access CapitalIQ or Bloomberg or Factset The ideal freelancer for this project should have relevant experience in finance research, with an in-depth knowledge of investment and equity analysis. Your work should be thorough, accurate and based on the most recent data and information. Skills & Experience Required: - In-depth knowledge of finance research - Proficiency in investment analysis and equity analysis - Ability to provide accurate future projections - Strong attentio...

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    I require assistance with saving my parents' family home in Ireland, through a series of unfortunate occurances I am left in a very bad, life altering situation. I am caught up with the mortgage payments currently, but it's a significant financial burden that I've undertaken and I’m struggling to cope and continue on, I intend to raise $190,000 via crowdfunding if people would be willing to help me. Perhaps negotiate with the crowdfunder expert a percentage of the funds raised. Proof of the debt etc is available. The funds will be fully directed to quickly settle the mortgage sum. Ideal backers for this endeavor are: - Individuals with experience in successful crowdfunding campaigns, especially property-related. - Those with a heart for family and empa...

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    We're looking for Python coders to implement a Delta Neutral strategy for the Indian stock market. The strategy revolves around creating a Delta neutral with a fixed numeric value Delta as the base point. Here's a brief overview: Key Points: Delta neutral strangle creation based on a fixed delta Asset: Nifty 50, Bank nifty or Equity (Configurable) Strategy Highlights: Short Selling Exit and Rollover Options (based on Profit OR loss)(this too, will be fixed number-based) Continuous Rolling of the Strangle (Adjustments, and new strikes to be sold, according to the running leg of the strategy) Requirements: Proficiency in Python Understanding of stock market strategies Ability to Backtest the strategy effectively customizable variables for easy adjustment at the UI leve...

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    ...Constructing informative articles on the mortgage application process, helping buyers understand what to expect, how to prepare, and key terms they'll encounter. - Developing content that explains home buying terminologies, ensuring that first-time buyers are not lost in translation during the home buying journey. - Offering expert advice and tips on choosing a first home, including factors to consider, common mistakes to avoid, and how to identify potential red flags. The ideal candidate for this project will have a strong background in real estate and a knack for translating complex concepts into engaging, shareable content that resonates with first-time buyers. A keen understanding of the home buying process is essential, as is in-depth knowledge of mortgage appli...

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    Aiming to accumulate funds to settle a $190,000 mortgage (gbp£154,000) through a death and series of events, impending on my beloved parents' house. I’m struggling to cope and continue and as last resort I'm in need of a well-versed crowdfunding expert. Depending on our initial success, we might consider making this an ongoing project. Ideal Candidate: - Adept in crowdfunding mechanics, preferably with experience in personal debt campaigns. - Familiar with the best platforms and practices for maximum engagement and donation generation. - Visionary thinker to provide strategies on sustaining possible long-term campaigns. Your ultimate goal would be to help me put an end to my parents' mortgage anxieties through a successful crowdfunding campaign. ...

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    ...It is structured into four main parts: Data-preprocessing: This section emphasizes understanding the impact of borrower income on credit risk, analyzing income trends over time by state, and identifying growth rates. The qualitative discussion on income's role sets the stage for quantitative analysis, including data description, time series plotting, and the integration of these insights into mortgage data. PD Modelling: Two models are developed to estimate the probability of default (PD) — a basic model using FICO scores and loan-to-value (LTV) ratios, and an enhanced model incorporating state-level income growth. This step involves calculating PDs, visualizing trends over time, and comparing the accuracy of both models to assess the added value of including economi...

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    I'm in search of a capable writer to craft articles on key areas within human resources (HR) and Diversity, Equity, and Inclusion (DEI). Specific topics will cover: - Recruitment and selection - Employee training and development - Diversity and inclusion strategies The intended audience will be a mix of HR professionals, business executives and the general public. The publications where these articles will ideally feature include Forbes, SHRM Magazine, Economic Times, People Matters, and Business Standard. Strong research skills, understanding of HR and DEI concepts, and prior experience writing for such audiences are key. Ability to align content with the specific publication style is also required. This job would be ideal for individuals with a background in HR, or busin...

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    Hi Shujoy S., I noticed your profile and would like to offer you my project. We can discuss any details over chat.

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    I'm in search of a capable writer to craft articles on key areas within human resources (HR) and Diversity, Equity, and Inclusion (DEI). Specific topics will cover: - Recruitment and selection - Employee training and development - Diversity and inclusion strategies The intended audience will be a mix of HR professionals, business executives and the general public. The publications where these articles will ideally feature include Forbes, SHRM Magazine, Economic Times, People Matters, and Business Standard. Strong research skills, understanding of HR and DEI concepts, and prior experience writing for such audiences are key. Ability to align content with the specific publication style is also required. This job would be ideal for individuals with a background in HR, or busin...

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    I am in urgent need of a seasoned mortgage processor who can expertly handle various related tasks. Your responsibilities would majorly center around: - Document verification - Conducting credit checks - Reviewing loan applications Proficiency in the use of several strategic tools is a must. The ideal candidate should be experienced in: - Loan origination software - Customer relationship management (CRM) software Although specific certifications are not strictly required, I do require someone with rich experience in the mortgage industry. This is non-negotiable as a deep understanding of industry dynamics is crucial to the success of this project. If you have this experience and can confidently fulfill the roles outlined above, do get in touch.

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    A network accelerator suitable for all models is needed for hijacking redirection

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    You need a network accelerator that is suitable for fish Android, and you need to do hijacking redirects

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    We need a 5-pager website created for investment management/private equity business. The 5 pages should comprise something like: 1) Home Page 2) Our Team 3) Our Strategy 4) Our Services 5) Contact Us We already have a logo, fonts and a brand colour. We will do all copy-writing for the website. Main task is design and layout. We are looking for a very modern, free-flowing style/design and NOT a boxxy design. See below for exemplars:

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    I'm kickstarting joining a new mortgage brokerage, with the target audiences being first-time home buyers and refinancers. I'm looking for a skilled digital marketing and design professional to help set up a compelling online presence to generate leads and conversions. Here's what I need: - Creation of 10 Facebook posts and 10 LinkedIn posts over the next 10 weeks. You'll only need to cover the design aspect; no content writing required. - Design and setup of a Facebook page that aligns with my brand. - Design and setup of a website that aligns with my brand. Remember, professional and corporate design is what we're going after. - Implementation of SEO on the website, so that I am easier to find online. - A 3-month social media tracking phase, to glean insi...

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    ...market with our innovative platform featuring millions of products. Our mission is to deliver unparalleled shopping experiences to customers worldwide. The Opportunity: We're seeking an experienced Freelance E-commerce Development Lead to spearhead the development of our large-scale dropshipping platform. This is a unique opportunity to play a key role in shaping our future, with potential sweat equity options as a testament to our commitment to rewarding exceptional talent. Key Responsibilities: Strategize and oversee the development of our e-commerce platform, ensuring scalability, security, and superior user experience. Identify, recruit, and lead a team of developers, setting a high standard of excellence and innovation. Work closely with internal stakeholders to alig...

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    ...traffic websites within the Philippines that are relevant to the SaaS industry or related fields. Documentation or proof of website traffic is required. Contextual Backlinks: Backlinks must be contextually incorporated within the content of the hosting page, enriching the content's value and relevance to our SaaS niche. Type of Links: Only "dofollow" links are accepted to ensure the passage of link equity. The use of "nofollow" links is not permitted for this project. Permanence: Backlinks must be permanent, with a guaranteed period of at least 12 months. Any link that is removed within this period must be replaced at no additional cost. Reporting: A detailed monthly report is required, listing all the backlinks created, including the URLs, the anchor...

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    ...Source: Backlinks must come from traffic websites within Singapore that align with the SaaS industry or related sectors. Proof of website traffic must be included. 2. Contextual Backlinks: Each backlink must be contextually integrated into the host page's content, providing added value and relevance to our SaaS niche. 3. Type of Links: We require "dofollow" links to ensure the transfer of link equity. The use of "nofollow" links will not be accepted in this project. 4. Permanence: All backlinks should be permanent, with a minimum duration guarantee of 12 months. Any link removed within this timeframe must be replaced at no extra charge. 5. Reporting: Monthly detailed reports are required, showcasing the created backlinks with URLs, the utilized anchor tex...

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    I'm seeking a highly experienced call center team that is proficient in generating leads and carrying out broad outreach campaigns. The role will involve communicating with 2.5 million real estate agents across the US, with the objective of selling our real estate lead packages. These packages encompass buyer, seller, and mortgage leads. Key tasks include: - Making calls to realtors during US business hours - Emailing and sending SMS to each - Effectively pitching our lead packages - Nurturing potential leads The method of engagement should primarily be through calls. While this position is commission-based, I'm flexible in discussing payment terms. I require this project to commence immediately. Ideal experience and skills include: - Previous telemarketing or call c...

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    I'm looking for a skilled and experienced Python developer to assist me with backend development for a personal project. The primary requirement for this project is API Integratio...experience in Python programming - Proven track record in backend development - Expertise in API integrations - Detail-oriented and excellent problem-solving skills I'm looking for a diligent worker who is not afraid of a challenge. I'd love to hear from you if you meet the above requirements. Let's get this project started! The projects will be related to building codes which can collect live equity/indices market price data, analyze the stock for price action strategies, and suggest entry, exit and sizing. Interface to provide: list of stocks as input and the select the strate...

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    I need a confident and effective telemarketer who can contact disability law firms across the USA. Your task is to inquire who we can approach regarding adopting innovative solutions for their legal practice that involve Artificial Intelligence (AI). There are four main goals for introducing AI in their operation: 1...with disabilities. We actively pursue this goal by adhering to best practices in accessible design and continuously engaging with communities to understand and address their unique needs. Our dedication to creating an inclusive space is reflected in every aspect of our work, from product development to client interactions, highlighting our belief in technology's transformative power when guided by equity and access principles. You can visit for more info about...

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    I'm looking for an expert to develop a high-frequency trading algorithm capable of outperforming the market. The key aspects of this project include: - Objectives: The primary objective of this algorithm will be to 'beat the market.' So I need someone who can create an algorithm that consistently generates higher returns than the market average. I have parameters that need to be followed. - Data: The algorithm will be working with Technical and Historical market data. Extensive proficiency in these two types of data is crucial for this project. - Trade Execution Frequency: The trades will be executed based on 15/30/60/Daily minute charts and meeting certain parameters. Hence, it is highly essential for the professional to understand the nuances of high-frequency trading...

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    About the Role: Join our pioneering AI sales agency on a mission to redefine the mortgage brokerage industry. We're seeking 10 ambitious freelance Inside Sales Representatives who are ready to take their sales skills to the next level. This role offers the chance to be part of an innovative team smashing sales records and setting new benchmarks for success. What We Offer: Competitive Earnings: Enjoy a commission-based structure with 11% on closed deals, plus a 4% bonus for exceeding sales targets. High performers have the opportunity to transition into full-time roles. Premier Training & Support: Benefit from our comprehensive tri-weekly training program and continuous mentorship, ensuring you're equipped to succeed. Flexibility & Growth: Work from anywhere, ...

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    I'm looking for a skilled and experienced YouTube video editor, specifically with a knack for editing how-to tutorial videos. In particular, the project revolves around VA Mortgage videos in the real estate field. The content will cover crucial topics like VA loan eligibility, benefits of VA loans, and the VA loan process. Having an understanding of these topics or prior background in real estate would be beneficial. I'm looking for a simple cut-and-join editing rather than a cinematic or a storytelling approach. Your role will involve making the content concise and engaging for my audience. Prior experience in this type of content would be preferable. @VA-Loan-Advisor?si=9E-ghZ3Rj9vzOKlm

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    I am looking for a designer with a sophisticated touch to create a new logo for my modern mortgage company. The design should be both professional yet captivating, encapsulating the essence of trust and professionalism. Company Name: Lydben Mortgage KEY POINTS: • Color Scheme: The color scheme is not to be selected at random, but is based on the attached color pallet. • Logo Message: The logo is required to evoke senses of Trust and Professionalism. It needs to align with financial services yet maintain a modern vibe. • Logo Style: I am looking for an elegant and sophisticated design. Clean lines and impactful imagery or typeface are expected. It shouldn't be too intricate, remember, sophistication lies in simplicity. SKILLS AND EXPERIENCE: • G...

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    ...understanding of SEO and the mortgage industry to produce educational and promotional content for our new upcoming website. You should be able to demystify the mortgage process for our target audience: first-time homebuyers, homeowners interested in refinancing, and real estate agents. Key topics to be covered in the content include: - Mortgage rates and terms - Down payment requirements - The loan application process - Benefits of working with a mortgage broker - Options for refinancing - Understanding the debt-to-income ratio Expertise in SEO is crucial, as the objective is to increase our website traffic, as well as educate potential clients and promote our services. The successful bidder should have experience in finance or real estate content writing...

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    ...gather valuable data: • Contact Form: There should be a user-friendly contact form on the website. This form should be capable of collecting a variety of details from potential leads - these include the user's name and email, their property interest and budget, and their contact number alongside the preferred time for a call. • Property Search Features: These are not required at present. • Mortgage Calculator: This functionality is not needed at the moment. The ideal candidate for this project would possess a solid background in web design, especially in the domain of lead generation and data collection. Proficiency in designing modern and minimalist styles, and a sound understanding of the real estate industry would also be an added advantage. I look forw...

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    I need a virtual assistant who specializes in event research. Your main focus will be on discovering UK-based business conferences, networking meetings, technology seminars, start-up gatherings, venture capitalist meetings, and private equity events. Ideally, you should have: - A good understanding of the UK events scene - Experience in data collection and database creation Your task involves: - Searching for relevant upcoming events - Making a one-off database with specific event details which are: - Event Name - Event Category - Event Date - Event Location - Price - Booking Link Looking forward to finding the best fit for my project.

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    Irequire a proficient freelancer to translate my client Audited Japanese Financial Statements into English. I need it to be completed in 8 Hours from the awarded time begin. The task would involve: - Translating our Auditor Reports, Balance Sheet, Profit & Loss, and Statement of Changes in Equity. - You'll be provided with a specific format to follow ensuring consistency and clarity in the translated documents. The ideal candidate will have deep knowledge in accounting, familiarity with international standards, and previous experience in translating financial documents. Strong proficiency in both English and Japanese is a must. The freelancer must be detail-oriented and be able to retain the accuracy of the original financial terms and figures during the translation pr...

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    I need data collected on 10 banks 5 Islamic 5 conventional on a number of aspects including : total assets total equity roa roe debt net income

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    ...calls to prospective clients in the mortgage industry. • Generate leads and identify new business opportunities through proactive outreach. • Engage potential customers in meaningful conversations to understand their needs and promote our services effectively. • Build and maintain strong, long-lasting relationships with clients. • Meet and exceed daily, weekly, and monthly sales targets. • Continuously refine and improve cold calling scripts and lead generation strategies based on feedback and results. Requirements: • 2-3 years of proven experience in a high-volume call center environment, with a focus on sales and lead generation. • Exceptional cold calling skills with a track record of success. • English proficiency, C2 Level. • ...

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    ...with opportunities and recommendations for future improvement. (suggested word count: 750 words) 2. Qualitative and quantitative assessment and evaluation of the IT/IS proposal. (suggested word count: 375 words) 3. A forecast valuation range for the equity of Viniculture PLC using a free cashflow model (based on the 2016 forecast prepared by our finance team and the external consensus view of analysts for 2016). Justify and explain any assumptions made, interpret the results and consider possible implications for the business and its equity shareholders. (suggested word count: 375 words) Ideal skills and experience: - A deep understanding of cash flow models and how they apply to the winery sector. - Experience in financial analysis and financial forecasting. - Proficie...

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    I am in need of a highly experienced mobile app developer to design and build a real estate application that works on both iOS and Android platforms. The end product should match the key featu...it needs to be ready for deployment ASAP. Thus, the ideal freelancer will have impressive efficiency without compromising quality. Necessary Skills and Experience: * App development for iOS and Android platforms * Real estate app development experience, preferably with a portfolio showcasing relevant accomplished projects * Excellent time management skills * Understanding of real estate and mortgage systems will be a plus. Let's revolutionize the real estate scene together. Please submit bid with portfolio references, if available. Looking forward to your involvement in this high-pri...

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    Dear Upwork Community, VRAS (Virtual Reality Advanced Simulations) is on-going start-up, seeking a seasoned Senior Developer to join us in our mission to revolutionize defense training through cutting-edge VR simulations. This unique opportunity offers equity-only partnership and the chance to play a pivotal role in shaping the future of the company and the industry. About Us: VRAS is a Start-up with multiple collaborations with some of the big clients in the Israeli defense industry, specializes in developing advanced VR simulations tailored for the defense sector. Our goal is to empower security forces, military, and law enforcement with affordable and innovative VR training solutions. Company Vision: At VRAS, we envision a future where state-of-the-art technology optimizes defe...

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    We are seeking an ASP.NET developer to join our company as an equity partner to collaborate on a partially developed School Management software. We are searching for someone who can contribute to the development of the product in exchange for equity. Previously, we deployed the software in over 50 schools. The current version represents a significant advancement with numerous enhanced features compared to its predecessor. With over 3 years of experience in this field, we have actively sold our product to schools, incorporating their feedback and insights. This process has enabled us to refine each feature to ensure user-friendliness, compatibility across various school systems without necessitating modifications, and the fulfillment of diverse needs. Following extensive it...

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    Description I'm seeking a driven, experienced lead generation expert to expand the reach of Bempong Talking Therapy (BTT) You'll have proven success in B2B scenarios and a strong understanding of the mental health and DEIB (diversity, equity, inclusion, & belonging) sectors. This commission-based role empowers you to achieve high earning potential while making a genuine difference in people's lives and company cultures. About Bempong Talking Therapy (BTT): Founded by a licensed therapist and champion of culturally sensitive care, Jarell Bempong, BTT is pioneering an inclusive approach to mental health. We help organizations prioritize mental well-being and DEIB as essential to a thriving workplace. Our services include: Tailored DEIB & Mental Health

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    I'm looking for an expert in Facebook and Instagram marketing with a focus on generating quality leads specifically for businesses in the realty and mortgage industry. Primary objectives for the project: - Generating substantial leads from businesses in the Realty sector. Ideal skills and experience: - Expertise in Facebook and Instagram Ads Manager - Proven track record of delivering leads via Facebook, Instagram and LinkedIn - Knowledge or background in the realty industry is a definite plus.

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    I'm in need of expert legal advice related to the personal guarantee of the mortgage purchase from a limited company to limited company via a zoom call. We have 7 flats in a new build development that we are moving onto buy to let mortgages and they require us to get independent advice regarding the personal guarantees. The content is the same across all guarantees so will only need it running through once but The solicitor who is providing the advice will be required to sign each guarantee, to confirm that they provided you with advice on that document. This will be for myself and the other director of the company purchasing The process required is: "If you would like to obtain the independent legal advice virtually, there is no separate form to fill in for your lende...

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    ...project would have extensive experience in writing engaging case studies for technology products and services. Key Project Aspects: - This case study will be targeted towards insurance and mortgage brokers. Knowledge and understanding of these industries is critical for this project. - The case study needs to highlight how our SaaS product excels in ease of use, cost-effectiveness, time-saving features, and functioning as a client engagement app. Skills and Experience: - Proven track record in creating successful case studies - understanding of the SaaS market - Insight into the insurance and mortgage brokerage sectors - Excellent writing and communication skills. For any freelancer looking to transform the draft content into a compelling case study. It's impo...

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    I'm looking for a proficient web developer to help work with me on the last stages of my Real Estate website. While the basic structure is already in place, I need someone experienced with property search functionalities, mortgage calculators, and virtual tour abilities as these are essential features we wish to implement. Ideal Skills and Experience: - Past working experience in developing Real Estate websites is crucial. - Comprehensive understanding of property search algorithms. - Familiarity with mortgage calculator integration. - Experience integrating virtual tour functionality. Application Requirements: While submitting your proposal, please provide: - Examples of real estate websites you've developed in the past, showing your ability to implement the...

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    I'm in need of an individual experienced in the art of lead generation. The project will require you to identify specific individuals within Tokyo's private equity, investment banking, wealth management, directors, property owners and family office domains. Key Responsibilities: - Identify and list decision makers in the above-mentioned industries - Deliver information in a Google Sheets format Desired Information for Each Contact: - Full Name - Contact Info (Email, Phone) - Role - Company Ideal candidate should demonstrate prowess in lead generation and scraping, accuracy, attention to detail and understanding of the financial sector in Tokyo. Experience in working with Google Sheets will also be highly appreciated.

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    ...XD 6) Experience with Bootstrap Other attributes 1) Ability to explore new tools and technology 2) Strong analytical and problem solving skills 3) Strong team player, easy-going character 4) Mature and independent Compensation ------------------------------------------------------ Salary is entirely negotiable. As a key founding member of the software team you can potentially receive equity stake in our business depending on individual performance. For the right candidate we can offer part-time/full-time basis depending on the candidate’s availability....

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    ...was purchaced in Applicant's name only February 2001 • October 2001 the two were married after a year of being engaged and 9 months after the two purchased the house. • When it came time to refinance the mortgage 2007, title of the property was placed into both of their names • The two separated April 2021 • Applicant is claiming unequal net family property division Given that th two bought the house (in Applicant's name initially), 9 months before we were married, how does those 9 months entitle her to Date of Marriage Deduction (if any)? - Respondent has been paying his share of mortgage payments and household expenses since day one until this day. - Not to mention the ongoing major home renovations throughout the years. Do you require any...

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    Trophy icon app similar to uber 4 dias left

    I'm looking for a professional app designer similar to uber, paying 1444 for design. and equity to maintain. most be modern code and tools. must have payment system. must have seo. must have ai tech. I'm not awarding job tilll il fully satisfied, offering 5% off business to maintain, must be professional and timely, must be uploaded to server. all us states, must have different bin sixes. must register. must have gps. must have pricing. must have full disclosure. must retain % retained by app.

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